Dear All,
I’m trying to take a family floater policy for me(36 yrs), wife and a 5 month old girl baby.
why I’m taking longer time to choose the policy is the matter. My wife is diagnosing diabetes and only taking diabetic medicines ( 2tablets per day), and HBA1C value is 6.8.
I’ve sorted out 2 policies like Appol Star helath optima and Max bupa heartbeat.I look for 5 lakh policy.
When queried for details to Star health, they told diabetes will be covered after 4 years but my concern is why don’t they opt for medical test and issue policy, but they are simply saying no need to worry as after 4 yrs all the PEDs will be cover.
While checking max bupa their premium is almost double for 5 lakh policy thus bit confused to take a health insurance.
Pls suggest me a good plan in above scenario.