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POSTED BY ON February 4, 2013 3:07 pm COMMENTS (4)
Dear Sir,
I want to buy heath insurance with family. Today there are a lot health companies in the market. It is very difficult to choose the best for a comman person. I will buy it for me and spouse. I am very confused which to buy. I want to invest 2 or 3 Lac. I and my spouse are weel and healhy. Please suggest me to buy the following which is better for me-
Apollo Munich
Religare Health Care
Star Health
LIC Health Protection
Max Bupa
United India Health Insurance
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Dear Kailash ji,
You must buy basic Health insurance product of Sum Insured 4 lac and A Top up of atleast another 6 lac.
This will be a comprehensive solution in case of a critical illness rider also.
Icici Lombard’s Comprehesive health insurance covers PED after 2 years only so you can opt for this one, alongwith a top up of the same company.
You can go through product details here.
http://www.healthinsurancechandigarh.com/health/review-of-icici-lombard-complete-health-insurance-product/
Dear Kailash, thanks for writing in. Is it 2-3L sum assured you are talking about?
Please clarify.
Thanks
Ashal
You don’t have to invest 2 or 3 Lac. You just need to invest enough to max out 80D deductions.
You can get a floater plan.
LIC health protection is not a pure mediclaim. Stay away from this.
Don’t get MAx Bupa. There is no loading (increase in premium if you get sick) but the premium increases each year.
Look for the sub-limits (room rent, ICU rent etc.) before buying. A plan with no sub-limits will have high premium so best to choose one with high sub-limits.
As long as you are truthful in filling the application form, claim form (if you get hospitalized) and follow rules of cashless or reimbursement claims it doesn’t matter who you get if you take care of above issues.
Remember: I have one from United India. Health insurance buyer experience is very personal depending on an individuals health.
Go with Apollo Munich optima restore family plan. A year back, I was also confused and after doing all the research, I found this plan better than others. It has some unique and better features like Restore and Multiplier Benefit.
Read the review – http://www.tflguide.com/2012/01/apollo-munich-optima-restore.html