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Please share your views about my Parents health plan
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25 Mar, 2022
by Jacob James
Hi Sir, I have already got a health insurance for my parents of age(59 & 54) last year from SBI Arogya Plus of 3 Lakhs. Their TPA is Medi assist. I have also taken Tata AIG 5 lakhs super topup which provides 50% per cumilative bonus per year till 10lakhs,
It took total of about 24k totally.
My only plan was to take a retail policy or else I should have gone with a group policy due to my financial capacity.
So was it a wise decision or is their any other policies with stays in these price range.
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28 Mar, 2022
If possible please change your base policy and keep your base policy and super top-up in same company.
As parents age is below 60 I suggest to enhance the coverage from 3 lakhs to atleast 5 lakhs and top-up from 5 lakhs to 15 lakhs or 20 lakhs.
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Remember when there are two policies at play you can only use one on cashless basis. It is evident you've prioritized price over convenience, however there are better ways to structure insurance plans.
Also, SBI Arogya Plus plans have sublimits on room, ICU and other critical treatments.
Perhaps a second opinion may help you.