Surya,

Though both companies are good

But hdfc has plans available to cover diabetes from day 1 as well...

In regards to hospital coverage star certainly has better coverage down south.

If you don't mind serving waiting periods on pre existing diseases you can look at star as cashless coverage won't be an issue.

Happy to help you with plan specific options if need be, just book a free call above.

Hi Surya,

There's been a latest update in the health insurances and Niva Bupa Reassure is actually giving coverage for diabetic patients from day 1

You'll be glad to know that waiting periods has been waived off

HDFC has a specialised plan for diabetic and Optima Restore won't be available for your father

Please schedule a call for quick advise from credible advisors

Glad to help

Thanks

Komal Jain

Qualified Personal Finance Advisor