Finally on a health policy hunt (steps included). Shortlisted one, advice needed.

[highonluna]

@kcool Thank you!

 

[sadie_the_cat66]

@kcool You can Star ( "bookmark" ) posts on reddit. Easier to find later

 

[kcool]

@sadie_the_cat66 Haha yaa I do know that, but I got ton of saved stuff that I saved and never visited agai, which makes it difficult to find the one I really need. On the other hand I comment once in a blue moon. So yeah...

 

[iamnobody58]

@highonluna Check out super top up insurance as well.. I got a base plan and for additional cover went for a super top-up

 

[highonluna]

@iamnobody58 I came across the same advice by many redittors in other posts too.

Also @raymond10782 made a noticable point on critical health insurance in other comment.

 

[limoraliwesa]

@highonluna Laudable effort, but I would recommend that you split you insurance into a base cover and a super top up insurance to save costs!

 

[highonluna]

@limoraliwesa Yes, "Base + Super Top-Up + Emergency Fund" is what's suggested by many in other posts.

 

[gash]

@highonluna In India, all "health" insurance policies should all be renamed "hospitalization" insurance policies. They only pay out if you are hospitalized. If you develop a health problem with expensive treatment but which doesn't require hospitalization, they pay nothing.

 

[rufus1963]

@gash

If you develop a health problem with expensive treatment but which doesn't require hospitalization, they pay nothing

Can you mention a few examples of health problems that fall in this category (expensive treatment but doesn't require hospitalization)

There are several procedures that are covered under 'day-time procedures' that do not require hospitalization

 

[squirrellover]

@rufus1963 Psychotherapy sessions, stem cell therapy for knee issue are a couple of fairly common treatments which are not covered in most cases and they are very expensive.

 

[pedrokepha]

@highonluna Did you consider New India Assurance as well? Good job on the research. Asking to check if you considered everything.

 

[highonluna]

@pedrokepha No, I didn't check the public insurers. Used the aggregators first as the first filter, public insurers didn't make it.

 

[trthetrny]

@highonluna Great job with the analysis and kudos for the write-up!

 

[highonluna]

@trthetrny Thanks!

 

[travelingfarmgal]

@highonluna I went with HDFC Ergo..

 

[caothuyluc123]

@highonluna Do physically disabled with preexisting disease get coverage? Asking for a close friend of mine.

 

[sadie_the_cat66]

@caothuyluc123 Yes. Premium will be accordingly proposed by insurer and there will be a waiting period

 

[chamtt]

@highonluna Apollo Munich came out the best when I was searching for family cover - good hospital coverage, stable and big insurer etc. It got acquired by HDFC Ergo so no other option other than going with good plans of HDFC Ergo.

Star Health used to have good reviews but it has been looking for a buyer for some time, not sure if they have closed the deal or not. RJ apparently was one of the investors interested. So not a good idea to think of them from a stability point of view.

 

[highonluna]

@chamtt Yes, it's closed and yes Jhunjhunwala is one of the investors.

 

[sadie_the_cat66]

@highonluna

Star Comprehensive: Extra things which I didn't require and more waiting period, also a limit on room rent to single standard A/C

Single standard ac should be fine right. I mean there might be terms hidden but is there something more obvious I'm missing??

Are other lower priced room not covered??