POSTED BY January 10, 2012 7:19 pm COMMENTS (8)
ONI have BOI National Swasthya BIMA policy with cover of 5L at an anuual premium of 6300. How does this policy stack up against other mediclaim policies available in the market? I have renewal coming in a month’s time and can port it to another one if it is not good.
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Hi Amit,
I am not that known to this policy but I have a policy that covers up to 13 relationships in the family. Its named as Hearbeat Family First by Max Bupa Health Insurance. Here check this link for details http://www.maxbupa.com/ForYouYourFamily/Heartbeat/FamilyFirst.aspx. I will recommend you to check this as well.
Answering after a while. I have been hesitant of private health insurers because the increase in premium after a claim will be steep. This might be totally my perception. This has got formed based on other’s posts on how there premium was increased significantly after a claim.
Dear Amit, no matter which insurer you opt to, once a claim is there, the renewal prem. ‘ll be very high.
Thanks
Ashal
Hi Amit,
I also do have the same policy on same lines.
Have u heard about any claims experience. Curious to know
No heard on it but shouldn’t be bad considering it is a PSU company.
Dear Amit, keeping the age of the 3 persons covered in the policy in mind & the sum assured, it’s a a good policy. Please continue with it. Please do note in this policy renewal is allowed till age 80 (if you maintain the account with BOI & the prem. loading ‘ll be 25%) so in a sense this is also good.
Thanks
Ashal
The policy covers self (32), Wife (31) and Son (3).
Dear Amit, are you the sole beneficiary of this policy or you & your family members are covered under this plan?
Please clarify. Please do quote your age also.
Thanks
Ashal