Premium loading and waiting period
I took medication for depression a few years ago. I was never hospitalised. I disclosed this to HDFC ergo optima restore health insurance. They immediately increased the premium by ₹2800, with a waiting period of 3 years, I asked them how did they increase premium without any document submission, and why is this a critical illness they just replied decision is made and has to be followed.
I'm not sure whether to continue with the policy or not. Do other insurance providers will charge the same?