Hi Alok,

Hope you are doing well and apologies for the delayed reply! To answer your questions, I would personally recommend you to go with Niva Bupa instead of Liberty General insurance because as per the internal research we have done here at Beshak, Niva Bupa's ReAssure product is much better than Liberty General's Health Connect product in terms of overall context i.e. product benefits, claims experience, and customer service experience. Niva Bupa also has more number of cashless hospitals when compared to Liberty General which is also an important factor to look at. You should check the number of cashless hospitals available around your pincode on insurers website and decide on this basis so that you can easily avail cashless benefit at the time of cliam.

Hope this helps.

Thanks!

Hey Alok,

As far as my knowledge goes, every insurance company has its own underwriting norms on the basis of which they decide if they can issue the policy to someone who has a critical preexisting disease - depending upon their risk-taking capacity. Now, the underwriting norms should be the same for everyone applying for a policy in that respective insurance company - applying through a different advisor should not make any difference. If TATA AIG had rejected your proposal earlier, then ideally speaking and in my opinion, they would probably reject your proposal again even though you are applying through a different advisor.

However, I may be wrong. You can try applying to TATA AIG and other insurers through the new advisor and see if your proposal gets accepted. Would really appreciate it if you come back on this thread and update your findings - if your proposal got accepted or not.

Hope this helps.

Thanks!

Hey Alok,

Apologies for the delayed reply! As per my knowledge, insurers may ask you to undergo multiple medical tests and ask you to submit the reports so that they can understand the risk that they would be taking by giving you a cover in a better way. However, this completely depends on the insurance companies underwriting policies - will be different for different insurers.

As I suggested earlier, I still believe you should go with Niva Bupa instead of the other two insurers you are talking about and see if they accept your proposal.

Thanks!