Looking for Recommendations while Porting Health Insurance to New Company
Planning to port to a 10L insurance cover for myself & my wife both aged 31 staying in Mumbai.
We currently have Oriental floater which has very restrictive benefits.
The policy will complete 4 years in Mar'21. Have not put in any claims so far.
Considering HDFC optima restore as one of the options. Open to recommendations of other companies.
Main criteria are
1) No copay,
2) No claim bonus considering we have not claimed so far in our existing policy for 4 years
3) No room rent capping
4) Better/Smoother claim experience
5) Lesser exclusions and restrictions
Can someone please share experience of HDFC Ergo and other companies for claim settlements.