INSURANCE USERS' COMMUNITY FORUM

My parents are nearing 60 years of age and they do not have any Health Insurance . What will be a realistic policy to buy and how much should be the cover amount ?

 Both of us have individual 5lakhs good health policy from new india assurance. Problem is my father is 63 years old, has heart blockage and diabetic. He is also currently Covid +.

Please advise on any problems I might face. Also could you please advise on which one to take. I have had a great experience with new india assurance who don't have the product, so might be biased towards a public sector insurer. Moreover if the super top up is not from the same company, what kind of problems could I face when submitting documents, since the originals miight be with theo riginal insurer

Hi Team,

I want to go for a health insurance for my mom but confused between a normal health insurance & arogya sanjeevni plan.

She is 56 (01/03/1965) & on the below medication-

1- Torvate Chrono 500 (Epilepsy)

2- Eltroxin 25 (Thyroid)

Please Suggest.

Saransh Sharma

I am looking for a health insurance for my parents and my father having PED's - diabetis and History of Epilepsy. He is under medication for both.

Kindly suggest which insurer will cover this.

I am looking for a health cover for my parents 57 & 52. My father has Asthma. Considering my city, only 2 insurers have decent network hospitals and rest insurers are costly too. I am reviewing Aditya Birla Platinum health enhanced and Maxbupa Reassure/Companion plan. and along with Olamoney Manipal Cigna Super Top up. I know you suggest buying base and top from same insurer but here I am not finding any top plan here with available insurers. Should I ahead with this combo. Should I go with 5 lacs + 20 lacs or 10 lacs + 20 lacs (as both are different insurers). Kindly share your views on Olamoney Manipal Cigna Super Top up. Kindly advise plan, combination and structure.

I’m looking to port my parents health insurance who presently have SI of 5 lac (policy of more than 20 years) plus a top up of 10 lac (since 6-7 years). They’re aged 68 & 62. Now taking a floater of ₹20 lac for them. Will they get full coverage from day-1? While one parent has PED - Hypertension for 2-3 years. Will the insurer entertain claims atleast to the extent of 5 lac and 10 lac of top-up from the previous policy in the event of hospitalisation within the first year of porting?

Hi,

I have star super surplus policy for amount 25L (deduction limit: 5L). Also i have star policy of 10L with another accumulated bonus of 2.5L and recharge benefit of 1.5L. As on today I have exhausted 9.8L and will exhaust another 3L for my mothers cancer treatment.

Now i had to admit my father because of an emergency. I have applied for cashless on my surplus policy since i have crossed the deductible limit of 5L on my base policy. My claim has been rejected by star saying the below reason.

"We note that you have made a request for Rs.159070 for the treatment of the above disease. The pre authorization amount sought is lesser than the deductible amount of Rs.500000 opted by the insured patient, as per the policy issued to him/her."

Please help if this is genuine rejection. My understanding is that once the 5L is completed on my base policy i can use my surplus policy.

Hi experts,

I had a not so good health insurance for my parents(aged 69 & 62) which was initially a group policy later converted to retail insurance product which I continued for 6 or 7 years. Then, I learnt about portability, and I ported to another policy which is better than previous.

While porting, the premium was loaded, I tried to negotiate so they offered a waiting period instead with same premium. I took the waiting period option (also paid a 2-year premium). Later, I got to know that loading of the premium was one-off. Now, on hindsight, I realized, I made a mistake. Now, I have few questions.

• Which is better option? Premium loading or waiting period?
• Will the waiting period be considered from start of original policy or the new ported policy?
• Is there any way to fix the problem in the middle of the policy? Also, taking in to consideration my parent's age and 2 year premium paid already. The policies are in force already.

Thanks & Regards

My father is 57 and mother is 52. I have taken individual policies of 4 lacs each. My father has Asthma. Should I increase the base cover or take a top up policy and how much?

My parents are above 60 with one above 65. We have individual 5 lakh policies. Till now the hospital expenses have not gone above max 1.5 lakhs. But the *room rent cap will be breached from next year*. Is it advisable to take *super top up policy now*? We have *New India Assurance good health policy. It's a tie up with Citibank*. The cashless policy has always worked with even pre and post hospitalization reimbursement recieved on most claims. Parents are diabetic and Dad has heart blockage which cannot be operated on while Mom has had 18 procedures done due to various ailments.