Topic: can anyone suggest me a good health insurance policy

This message was edited 1 time. Last update was at 08/04/2010 15:53:02

can anyone suggest me a good health insurance policy which can cover me, my parents(49 yrs n 54 yrs ) and my brothr ( 27yrs)..

This message was edited 1 time. Last update was at 13/10/2010 11:12:46

A benefit is a health care service or supply that is paid for in part or in full by Medicare. There are substantial uncovered costs that a supplemental policy can help with.
It is important for you to understand that Medicare does not cover everything, and it does not pay the total cost for most services or supplies that are covered.
Medicare Part A covered Medicare patients providing some preventive services to issues like:
Cardiovascular screenings
Diabetes screening
Flu shots
Glaucoma tests
Those people who are getting Social Security or the Railroad Retirement Board benefits and ALS (Amyotrophic Lateral Sclerosis, also called Lou Gehrig’s disease) then they are automatically enroll for Part A Medicare benefits.

Hi there..

There are umpteen no of policies one can look at but before one gets into all that, it's important to know more about your requirements. Apart from the age group, one needs to understand:

a. What is the cover you are looking for?
b. What kind of premium are you willing to pay?
c. Is their any media history?

Depending on these it will be easier to suggest plans that suit your requirements.

This message was edited 1 time. Last update was at 13/10/2010 11:13:18

first time in india medical card with other benifits.family floater covers 2adults+ 2childrens below 21 yrs--up to 2lacs---entry age 3m0nths to 70 yrs--no medical tests--pre existing covers after 6 months and many more benefits

mayank wrote:Hi there..

There are umpteen no of policies one can look at but before one gets into all that, it's important to know more about your requirements. Apart from the age group, one needs to understand:

a. What is the cover you are looking for?
b. What kind of premium are you willing to pay?
c. Is their any media history?

Depending on these it will be easier to suggest plans that suit your requirements.

I need a health policy for me and my wife? what are the possible options and can u please give an option which covers maternity and also the new born. Is there any option for ambulance services also? thanks

charanleen wrote:can anyone suggest me a good health insurance policy which can cover me, my parents(49 yrs n 54 yrs ) and my brothr ( 27yrs)..

Hi there , There are quite a good number of good options available.

How does the insurance company decide whether a disease was a pre-existing one or not?

This message was edited 1 time. Last update was at 15/04/2010 00:14:16

Parthiv Tokas wrote:How does the insurance company decide whether a disease was a pre-existing one or not?

When you're filling up your insurance form you are asked details about your previous illness. If you've any such illness, the insurers refer to their medical panel to evaluate if the disease is pre-existing or a newly contracted.

The best thing is to disclose if you have any disease at the time of submission otherwise it may have repercussions in future especially during claims processing etc. so, best is to be ethical about it.

Parthiv Tokas wrote:

mayank wrote:Hi there..

There are umpteen no of policies one can look at but before one gets into all that, it's important to know more about your requirements. Apart from the age group, one needs to understand:

a. What is the cover you are looking for?
b. What kind of premium are you willing to pay?
c. Is their any media history?

Depending on these it will be easier to suggest plans that suit your requirements.

I need a health policy for me and my wife? what are the possible options and can u please give an option which covers maternity and also the new born. Is there any option for ambulance services also? thanks

Hi parthiv, could you tell us what is your age and your wives? also, what kind of cover are you looking for? these are important factors that one must before taking a decision or recommending any policy.

mayank wrote:

Parthiv Tokas wrote:

mayank wrote:Hi there..

There are umpteen no of policies one can look at but before one gets into all that, it's important to know more about your requirements. Apart from the age group, one needs to understand:

a. What is the cover you are looking for?
b. What kind of premium are you willing to pay?
c. Is their any media history?

Depending on these it will be easier to suggest plans that suit your requirements.

I need a health policy for me and my wife? what are the possible options and can u please give an option which covers maternity and also the new born. Is there any option for ambulance services also? thanks

Hi parthiv, could you tell us what is your age and your wives? also, what kind of cover are you looking for? these are important factors that one must before taking a decision or recommending any policy.

Hi Mayank, thanks for helping! i am 38 years and my wife is 34. we have two kids. i am looking for a cover of around 8-10 lakhs. i didn't have a very good experience with some of the previous companies and discontinued. please suggest which companies and plans i should go for?

I heard of Max bupa which launched recently? Any idea what plans they have?

Hi, I am a non-smoking male of 42 years. My wife is 40 years old housewife and we have a 6 years old daughter. We need a family floater plan for the family for around Rs 5.00 lakhs coverage. Please advise.

manoj456 wrote: I heard of Max bupa which launched recently? Any idea what plans they have?

Yes, they have recently launched in India. They have 3 plans Heartbeat Gold, Silver and Platinum based on the cover you are looking for. You can visit their website for more details.

Can you clearly specify your requirements? What is the cover you are looking for, what is the age group of people who need cover for?

Parthiv Tokas wrote:

mayank wrote:

Parthiv Tokas wrote:

mayank wrote:Hi there..

There are umpteen no of policies one can look at but before one gets into all that, it's important to know more about your requirements. Apart from the age group, one needs to understand:

a. What is the cover you are looking for?
b. What kind of premium are you willing to pay?
c. Is their any media history?

Depending on these it will be easier to suggest plans that suit your requirements.

I need a health policy for me and my wife? what are the possible options and can u please give an option which covers maternity and also the new born. Is there any option for ambulance services also? thanks

Hi parthiv, could you tell us what is your age and your wives? also, what kind of cover are you looking for? these are important factors that one must before taking a decision or recommending any policy.

Hi Mayank, thanks for helping! i am 38 years and my wife is 34. we have two kids. i am looking for a cover of around 8-10 lakhs. i didn't have a very good experience with some of the previous companies and discontinued. please suggest which companies and plans i should go for?

there are quite a few options to choose from such as Apollo Premium, Bajaj Alliance Healthguard and Max Bupa's Heartbeat Gold.

The annual premium for all is more or less similar.. between 25-29. Some advantages with Max Bupa and apollo munich are that they both cover day care procedures. Max bupa has minimum exclusions on critical illness.. in case that's a consideration..

you can visit their websites for more clarity.. i haven't had any experience with apollo.. but i recently took a family floater from max bupa .. for a 10 lac cover.. and the experience was pleasant.. they are readily available.. come across to be professional... so.. do evaluate all your options and speak to these folks before taking a call.. lemme know if you need any further advice..

bagchi_p123 wrote:Hi, I am a non-smoking male of 42 years. My wife is 40 years old housewife and we have a 6 years old daughter. We need a family floater plan for the family for around Rs 5.00 lakhs coverage. Please advise.

might want to try max bupa. one of my friends took a policy from them recently and seem to be quite satisfied.. they are also new.. so i am sure they will be looking to make a dent in an already crowded market place..

they have a heartbeat gold policy for a cover of up to 5 lacs.

the benefits are listed here..
http://www.maxbupa.com/ForyouyourFamily/Heartbeat/HeartbeatGold.aspx

apart from this, you may want to compare them against icici, apollo and bharti axa for a better evaluation and see if this meets your requirement.

bagchi_p123 wrote:Hi, I am a non-smoking male of 42 years. My wife is 40 years old housewife and we have a 6 years old daughter. We need a family floater plan for the family for around Rs 5.00 lakhs coverage. Please advise.

you may want to evaluate apollo, icici lombard and max bupa

bagchi_p123 wrote:Hi, I am a non-smoking male of 42 years. My wife is 40 years old housewife and we have a 6 years old daughter. We need a family floater plan for the family for around Rs 5.00 lakhs coverage. Please advise.

you can evaluate between apollo, icici and max bupa.

bagchi_p123 wrote:Hi, I am a non-smoking male of 42 years. My wife is 40 years old housewife and we have a 6 years old daughter. We need a family floater plan for the family for around Rs 5.00 lakhs coverage. Please advise.

you can evaluate between icici, apollo and max bupa.

I have been doing some research to buy health insurnace policy for myself and wife. Its confusing. My friends have had bad experience with the likes of ICICI, etc which are cheaper but bad experience at time of claims. I want to know more about the new ones - likely to choose between Apollo munich and Max Bupa - pls advise. -- Jayant

This message was edited 1 time. Last update was at 13/05/2010 12:21:38

Can you clearly specify your requirements? What is the cover you are looking for, what is the age group of people who need cover for?

This message was edited 1 time. Last update was at 13/10/2010 11:13:56

Hi,

i am sujendra

There are umpteen no of policies one can look at but before one gets into all that, it's important to know more about your requirements. Apart from the age group, one needs to understand: What is the cover you are looking for? What kind of premium are you willing to pay? Is their any media history? Depending on these it will be easier to suggest plans that suit your requirements.

They have 3 plans Heartbeat Gold, Silver and Platinum based on the cover you are looking for. You can visit their website for more details. and also you can find more packages from HDFCERGO...

This message was edited 1 time. Last update was at 13/10/2010 11:14:47

This message was edited 1 time. Last update was at 13/10/2010 11:15:18

hi,
hey here is an list of top health insurance companies like max bupa, star health insurance and also they best product available in the market. Also it would much better to buy a health insurance policies from the health insurance broker, who will compare all the health insurance policy according to your requirement

Hi, My father's age is 74 and mother's age is 60 having preexisting illness. Can you suggest me cheapest mediclaim for them?

There are number of options available. you can choose the best health insurance policies according to your needs. you can use search engine to find the insurance providers.

This message was edited 2 times. Last update was at 05/02/2012 15:23:44

Go for Max Bupa

Hi Bagchi,
I guess Bajaj Allianz would be suitable for you.
Based on your requirements, I think Family Floater Insurance would be ideal. It allows you to cover yourself and your immediate family .It covers medical expenses (you and your family) during hospitalization. It has cashless facility at over 2300 hospitals across India.it also includes Pre and post-hospitalization expenses covered. Do visit their site to know more benefits.

The comforts and luxuries of today's life come at a price-the price of uncertainties. Of the uncertainties, health of oneself and one's family is of prime concern. Add to this, the fact that medical expenses are getting dearer. One ailment is all it takes to wipe out years of savings that was meant to realize your dreams.

Mediclassic Insurance from Star Health is a policy that aims to provide reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries, so that you can keep your dreams alive.

Pre - Medical screening
Compulsory medical check up is done for persons above 50 years of age at the cost of the company

Pre - Existing Diseases / Illness
Are covered after 48 months of continuous insurance with us

Policy Benefits
Hospitalisation Cover : In-patient hospitalisation expenses for a minimum of 24 hours.Includes room rent and boarding @2% of sum insured,subject to a maximum of Rs.5000/- per day
Nursing expenses
Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees
Cost of medicines and drugs
Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs 750/- per hospitalisation and overall limit of Rs 1500/- per policy period

Top
Pre-Hospitalization & Post-Hospitalization
Pre-hospitalisation medical expenses upto 30 days prior to date of admission
Post-hospitalization - a lumpsum calculated at 7% of the hospitalization (excluding room charges) subject to a maximum of Rs.5000 is payable

Top
No-Claim Discount
Discount ranging from 5%- 25% for every claim-free year (except for the Family Package Plan)
How much to pay

Sum Insured
(in Rs) 5 mths - 35 yrs 36 yrs - 45 yrs 46 yrs - 55 yrs 56 yrs - 65 yrs 66 yrs - 70 yrs 71 yrs - 75 yrs 76 yrs - 80 yrs
50000 905 1030 1650 NA NA NA NA
100000 1530 1680 2780 3330 4880 5205 6360
150000 2130 2330 3730 4530 7050 7615 9615
200000 2680 2930 4915 5630 9100 9905 12750
250000 2800 3150 5550 7200 10700 11745 15435
300000 3300 3650 6170 8200 12625 13915 18450
350000 3750 4150 7410 10195 14435 15965 21345
400000 4200 4500 8700 11455 16245 18015 24240
500000 4900 5400 10700 13960 19860 22115 30025
1000000* 7465 7965 13265 16525 NA NA NA

Service Tax extra

for details contact
9883323929
9830492604

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