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.