COMMUNITY FORUM: CREDIBLE INDUSTRY EXPERTS ANSWER YOUR INSURANCE QUERIES

I'm confused between HDFC Ergo Optima Restore vs Max Bupa Reassure policy. The policy is for my mom (49 years) and myself (25 years). The premium of MaxBupa Reassure is cheaper as compared to the HDFC Ergo Restore policy. But I'm concerned with the brand value of Max Bupa vs HDFC Ergo. How good is it during the claim settlement process? Please help.

Let's say that I have a policy that has NO room-rent limit. However, there is a limitation of Single Private A/C room in hospital charges. I wanted to know, potentially, what can go wrong in such cases? Also, what are the odds of that happening practically?

I am asking this because Star Comprehensive has this clause.

Even is an innovative health cover that promises to cover every kind of health expense and cashless by design.

On paper it looks better than a traditional health insurance cover. Has anyone reviewed it already?

Have anyone heard about this company? I was attracted by their insurance model that's quite different from others. They make the joining appear premium and exclusive by propping up something called "Kenko Score". Once we pass their score test, we are being given the option to select the plans. They claim that they will reimburse 50% of the OP and medicine expenses, doctor fees etc. The catch (which they don't clearly say) is these claims are applicable only from "Kenko certified" hospitals & clinics. After I learnt about this, I tried to cancel the plan. You will be surprised to know that we cannot contact them ! Only they will be able to contact us if we clicked a button on their website and the support executive only talks about sales and once we tell them that the requirement is to cancel, they will say that my query will be "passed" on the relevant team and they will call back. This never happened and in parallel their sales team goes on spamming your number.

I escalated this even to their "Founder & CEO", but no response. There is no much info about this company in IRDA website too. Terrifying indeed.

Request Beshak team to carry out a discrete investigation. At least the outcome will save hundreds of people from this scam.

Hello,

First of all, thanks for running this community. I am planning to take a family floater health insurance policy for myself, my wife and my daughter. Few things that I am looking for is no capping on the room rent and the restoration benefit.

The two policy that stood out were Niva Bupa Reassure and HDFC Ergo Optima Restore. Now I am bit confused towards Niva Bupa due to their negative reviews online though it sounds better on paper than HDFC Ergo.

Does anyone have any views or suggestions for me. There are few more questions that I’ll ask later.

Thanks in advance

So in India, insurance doesn't cover emergency/casualty charges? My claim just got rejected.

Kuvera has come up with a lower cost Health Insurance product. How good is it. Can we trust them.

I have following doubts sir.

My parents have national insurance for one lakh from past 5 years.At the purchase time'my parents did not have any health issues.Right now my mother is taking medicine for bp occassionsly as an d when bp comes.

My father takes some tablets for memory.Apart from that they dont have anything.They are age 72 father and mother 62.

Each year at the time of renewal'the agent takes money a nd renews it.we have not said to him about our current health situation nor he asked.my mother says 'it is just occassional bp problem so it might not be neccessary to inform the agent about it and abt my father she feels same for my father.

Right now as per yur opinion i have taken 3 lakhs insurance from oriental pnb senior apart from national insurance as well-To my surprise they did not ask any details and issued the policy.

In general we are financially weak.

So now keepinf all this info are we are on right track so as to not get rejected if we have health problems or do i need to rectify any thing to be on right path.

Apart from this insurance problem' sir my parents havve 4 lakhs saving and they are dependant on that for some income from it with less risk.

What investment options might be good in tbat situation.

Could yu let me know about these two issues mentioned

Any idea, if private companies are better then PSUs for health insurance? My perception is that claims will be smooth with private companies.

I am 29 years old and single working in a Nationalised Bank, do I need to buy a separate Health Insurance for myself?