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Which Health Insurance plan to choose? 29 Y Female , No smoking No drinking

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28 Apr, 2021 by  Anonymous

Sir,


In the month of March 2021, I have purchased Young Star Silver Plan for the annual premium of 7055 Rs . Sum assured is 10 L.


I am a 29 year old female with no history of drugs / tobacco / drinking / smoking. Never been tested positive for covid-19. No diabetes / Hypertension. Currently on the medicines for depression and anxiety.


Max Bupa - Health Companion with Recharge (Money Saver) VS MY current Plan : Which one is better?


Do you suggestion for any other better health insurance plan ?

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Health Insurance

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28 Apr, 2021
Anonymous

Also my parents don't have any health insurance. Please suggest a plan for them as well.

Father (61 years) : No Diabetes, No BP

Mother (58 years) : Type 2 Diabetes and Hypertension


Both have mental health disorders but with regular medication and care, they have been leading steady life.

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02 May, 2021
Sonu
Since your mother has diabetes & hypertension the policy is HDFC ERGO Optima Energy. I hope there is no confusion here. Next if you add your father to this policy then the premium will be set according to his age & will be very high. Hence I suggested to consider this policy for your mother only and a different policy for your father. However you can take a family floater super top up for both of them. And finally if you are asking which insurer is more reliable then I think the Beshak team can answer that better than me. Hope this clarifies all your doubts.
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01 May, 2021
Sonu
  1. I will suggest Max bupa reassure or HDFC ergo optima restore for yourself. But you have to wait a few months before you should submit your porting request. You can consider them for your father too but separately.
  2. For Diabetes and Hypertension HDFC optima energy is the best one as it cover those diseases from day one. But the premium is quite high so won't suggest a floater for both parents. Unless you want to pay the high premium take separate policies both of them.
  3. Just mention the mental health conditions while applying & I think most the insurers will approve the proposals.



Hope this is helpful.

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01 May, 2021
Anonymous
Thank you so much for your guidance sir. I will definitely look into this. Could you please help me understand the second point again? Should I consider taking individual policies for both parents or a family floater? And where can I put in my trust in terms of claim settlement at the minimum possible premium ?
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