Need help for choosing the right policy for family
Hi Folks, looking for some help on the health insurance policies for a family for whom we are paying for and the premium is turning out to be costly. There are 3 people in the family - father (58 years), mother (51 years) and son (18 years). They have the Bajaj Healthguard policy which covers them for INR 18 Lakhs individually for a combined yearly premium of INR 73,721. After speaking to a few friends they advised that the premium we are paying is very high right now. We would like to port to a policy where we can:
1) Reduce over-all premium and increase cover.
2) None in the family have any PED. Just the wife had contracted TB once for which she was cured post hospitalization.
Could we explore looking at a base + super top-up from a reputed insurer which is not charging us so much? Also need to ensure that when we port to a new policy we don't have any waiting periods. Would really appreciate your inputs.
Hope you are doing well! First of all, I really appreciate your decision of reviewing your existing health insurance policies. It is very important for everyone to review their health insurance every couple of years. In order to give you detailed recommendations, we will have to evaluate your and your family's profile and existing health insurance policies in detail. I highly recommend you to check out our new service which we call Beshak Community Connect (BCC). With this service, we connect customers like you with our curated and experienced financial advisors from our community who help them with all their insurance requirements.
I believe one of our financial advisors would be able to help you in a much better way to make a decision with respect to your health insurance. Plus, this service is absolutely free for you. :)
If you wish to connect, please check out this page and choose an advisor as per your preference - https://www.beshak.org/insurance/find-trusted-insurance-advisors
Hope this will help.