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@flibgib Please share your finding and experience at your convenience.

@flibgib My salesperson told me that there are 2 major differences - ERGO Health Surakhsa allows pre-existing Diabetes patients whereas ERGO Optima Restore does not (generally). Surkhsa No Claim Bonus rate is 10% yearly, compared to that of 50% for Optima. However, please verify T&C for...

@flibgib I am also confused about this Gold vs. Optima restore. I will update tomorrow. I have a call scheduled with salesman.

@xxjesusguyxx I took family plan because for 55+ parents, it turns out to be cheaper. Yes, mine are also in similar band. Although, Max Bupa is cheaper. "Single Private AC" and 4Y for pre-existing conditions are NOT bad, as such. But, in same class, HDFC and Max are providing ALL Rooms and 3Y...

@diamond88 Yes, I didn't include this information in the main post because I thought it is not needed. Max Bupa ReAssure Plan provides Restore Benefits to any number of times, whereas HDFC Ergo Optima Restore provides it only once. As a personal preference, I am thinking that 1 time...

@rbak923 If both are in same risk profile then a family floater policy may work better for you. Only your insurance provider or agent (Policy bazaar /Coverfox etc.) can give you an estimate on premium based on medical history pf your parents. If possible look for the companies & plans which...

@megusta Please see this comment. Suraksha may turn out better for you. If you go with Suraksha, please tell me if Policy Premium will be locked at 71Y onwards i.e. Won't be revised every 5Y. Their salesperson claimed this to me as an advantage for Suraksha.

@danviking03 Sorry, I have decided to not edit the post any further. Your post covers good points. I will mention it at the relevant place in future.

@martredandre I looked at PolicyX again. It has some mistakes in policy information. Like on the comparison page in one policy it has mentioned covering for "Animal Bite" and in another row, it says NO. Personally, I am not interested in Animal Bite coverage, but this shows lack of basic...

@vtachy Relevant Thread has information about it and Kuvera CEO himself clarifying some points. My personal concern about the group health policies is this: What happens when Kuvera decides to go with different policy provider 5Y down the line? May be your nearest /best hospital is covered...

@wylted Yes, it is different depending upon the Pin Code. I looked for all-India coverage in both CoverFox and BankBazaar as well as on the site of HDFC Ergo. If you are talking about list of exclusions given then that is now common to all policies under IRDAI guidelines. If you mean that...

@keepitsimple144 If, in future, I port the base policy of my parents then there will be effectively two separate policies with different companies and I don't want this sort of headache for my parents. This is totally personal preference.

@pilgrimparson It was not my intention to offend you. The link itself argues in favour of keeping an individual policy (in addition to group policy) I also am not sure if it is possible to port individual policy to the group. Maybe someone better informed can help. Anecdotal point, I had...

@pilgrimparson Sorry, I think you have misunderstood something. An individual can buy 2 types of plans - Individual or Family Floater. However, companies offer "group" health insurance for employees of other companies. You can think about it as a Family Floater where your family has thousand...

@danviking03 This article was updated on 26-Mar-2020. Lockdown was started on 23rd. Next Update of this article will include impact of Corona. It will be interesting. Thanks for sharing :)

@danviking03 Thank You, My limited search didn't turn up anything useful about this earlier. I would also look into this.

@danviking03 Where did you find the ICR for Insurance companies? Please share the link, I will add that in the Post. Yes, Max Bupa lost me because of their reviews and lower hospital coverage in my area. No, for AIG and IIFCO. My requirements of No Co-pay and No Room limit filtered them out...

@joneshomes Thank You for the clarification. This is the main reason because of which I decided to go with higher SI but no Super Top-Up.

@joneshomes I want to confirm the following: Super top-up term is also yearly (or 2 /3 years) i.e. effectively it is another Health Insurance which has its own T&C. Because, I decided this will be too much for my parents to handle.

@jakob1997 No, because I am not interested in any type of Group Insurance. I know these policies have some advantages. But, I have replied to some other user about "Kuvera Group Insurance" and same concern will be applicable on ICICI also. However, I agree that it may suit your purpose. I am...