Suggestion on Family Floaters
Hi, I am looking to purchase 3 family floater plants for my family (joint family). There would be 4 members in each. Parents are of age 45-48 age in all and kids of 15-20 years age. SI required of 10lacs in each. One of the parent has existing condition of BP or Diabetics in each family
Which would be the best insurance to buy? My key requirements/concerns are,
1) No hassle in cashless and post hospitalization claims. This is very important. Frankly after dealing with Bajaj people (in my own corporate policy), I am very concerned of post hospitalization claims and don't have enough time to deal with the nonsense
2) No cap on room rents, includes cashless claims, no co payment
3) Day care procedures
4) AYUSH benefits
5) Homecare treatment
Good to have in the policy,
1) Annual health checkups (if they are not increasing premium a lot since these checkups costs like 2.5k anyways)
2) less than 2 years in lock-in for the existing diseases (only BP and Diabetes are there)
For COVID, i think it would be better to get the add-on on COVID available currently.
Also can someone please educate on the premium revision policies of the insurers? I did some research and Max Bupa and HDFC seems good but not entirely sure on the provider and the plant to proceed with.