@keneyhector HDFC Ergo seems to be going to the dogs lately. When it comes to health insurance companies, they try to screw you when you are most vulnerable. The only thing assured is premiums and big premium hikes at renewal. You have to be really lucky to get the claims paid when you need hospitalization.
The claim settlement ratios like 99.9 % are meaningless due to more than one reason. The main reason is that even paying off a tiny fraction of each claim amount, you can get 100% claim settlement ratios.
I have two health policies with Tata AIG. The premiums are high, even higher than HDFC ergo. But I have little trust that they will pay the claims without fighting me tooth and nail if I need hospitalization. Anything I have tried to get them to do after the initial policy purchase was not smooth or fast. Actually it was a struggle. I have tried to add my newborn daughter to the policies. I tried to add a preexisting condition to the policy that I initially forgot to declare.
The representatives are not on the same page, they don't seem to have a full view of your policies. It is still not done for one policy. More worryingly, the people who ask your health history, pre-existing conditions etc. don't seem to have much medical knowledge at all.
This renewal I thought I would port it out to HDFC Ergo. But I didn't know I had to start 45 days before policy expiry. Also, HDFC Ergo looks no less shitty.
