Unless you are looking at reducing the waiting period to less than 3 years, HDFC is a good provider - your best option is to accept the condition with higher premiums.

To get more options, you can book a free consult & we can offer you alternate recommendations through the trumatch report that Beshak will independently research for you.

Hi,

This counter offer is to avoid making claim for any impending knee replacement surgery. You can discuss with your doctor once and check if there's any surgery required in the near future (i.e. within the next 3 years). Based on it you can decide whether to port or not.

What is the SI + NCB of you existing policy with Oriental?

Thank you