back arrow Back

Health Insurance Suggestions

reply Share
08 Dec, 2021 by  Alok Patro

Hello All,


I am 31 yr old looking to opt for personal health insurance for myself.

Considering that I have a medical history 12-13 yrs ago (was diagnosed Still's disease then, no issues/medication for last 10 yrs), an advisor proposed LIBERTY GENERAL and NIVA BUPA. I understand the others- HDFC Ergo, Tata AIG, ICICI Pru did not offer any plan for my case.


  1. Between the two options, which of the insurer is preferable in overall context? (Assuming the differences in their features are minor parameters)
  2. Liberty General has lesser network/cashless hospitals than Niva Bupa. Should that be a very important factor while choosing?


Thanks!

like like
0
Health Insurance
Purchase
Opinion

3 Answer

Post
17 Dec, 2021

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!

like like
0
icon-comment 1 Comments
icon-reply Reply
17 Dec, 2021
Alok Patro
like like
0
icon-reply Reply
19 Dec, 2021

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!

like like
0
icon-comment 1 Comments
icon-reply Reply
21 Dec, 2021
Alok Patro
like like
0
icon-reply Reply
30 Dec, 2021

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!

like like
0
icon-comment 0 Comments
icon-reply Reply

Tired of dealing with call centers!

Get a professional advisor for life!

Rs. 1799

LIFETIME FREE

Limited Period Offer

or

Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2022 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to info@beshak.org now 🙂