Search results

@vtachy This is extremely interesting, looks cheaper too. Thanks for bringing this to my attention. I will check out their terms.

@rezene You have already paid most of the interest on the loan if you adjust for inflation, there is not much point in my opinion to save 7 lakh over 9 years by forgiving the opportunity to earn much better in the equity market over the same 9 years. Again if you want peace of mind you pay off...

@rezene Quick from top of the head calculation tells me you’re better of maximizing your prepayment only as much as can be tax deducted but if you want peace of mind than close the loan ASAP.

@wylted Yes, HDFC Ergo has 3 tiers of cities. If you have the lower tier policy, then you will be paying 20% Co-Pay if you get treated in a higher tier city. Source: https://www.hdfcergo.com/OnlineProducts/HealthSurakshaOnline/FAQ%20PDF/HealthSuraksha.pdf

@favoursaks Yes, Super top up is another policy on it's own. You even get a separate insurance card which you can print and give to your parents. In a networked cashless hospital your parents wouldn't have to deal with a lot of details, just gotta keep both cards/policy number with them. But...

@keepitsimple144 HDFC Ergo my:health Medisure Super Top-up does not cover everything, like organ donation, but it was cheaper and looked good enough to extend the base policy. I will recommend reading the policy document carefully if you're considering only buying the super top up. You can get...

@favoursaks Good write up. I will add the difference between top up and super top up for anyone reading in the future. Top-up will pay a single bill above the deductible, limited to the coverage amount. Super Top-up will pay any number of bills above the deductible, limited to the coverage...