Please suggest a health insurance

POSTED BY Ramprakash ON July 1, 2012 10:14 pm COMMENTS (6)

Hi
I am 30 year old male working in software industry in delhi. Am married for a year.
My wife is 27 and we are due a baby in October.

At present I have a health insurance provided by my employer which covers the family for 4 lac.

I also have a term insurance from Aviva for 1 cr.

I have no medical history except for once I was admitted in hospital in 2010, for backpain.

No surgery was performed. Only bed rest and lumbar traction for 4 days.

My wife also does not have any medical history.

My father, 56, has high BP (takes medicines). My mom, 51, has diabetes (no medicines reqd.) and thyroid (recentlt has started taking a tablet a day).

I have neither (confirmed from tests taken by Aviva for term insurance).

Please suggest a family floater health insurance. Will that automaticaly include my child once born. Or should I wait for the delivery and then look out for a policy.

Also how long does the whole process of getting the health insurance take. I am asking this because I could be going to US at the end of the month for 2 months.
And are any medical tests required for healtrh insurance.

Thanks
Ramprakash

6 replies on this article “Please suggest a health insurance”

  1. Chola MS Family Healthline is an ideal Family Healthline insurance suited for young families. Comprehensive and versatile, this medical insurance plan offers cover for a range of health needs including Ayurvedic treatments, Maternity, Dental and Eye care besides regular covers provided by a standard Mediclaim policy. It covers you, your spouse and children with a Floater Sum insured which – allows any family member to claim up to the full sum insured.

    please visit cholainsurance.com

  2. Dear Ram Prakash, do you want to cover all 4 of you in a single family floater?

    Please clarify.

    Thanks

    Ashal

    1. Ramprakash says:

      Yes Ashal. Actually its just two of us as of now. In Oct 2012, it will be 2+1.

      Thanks
      Ramprakash

      1. Dear Ramprakash, What I want to know is – are gong to cover Yourself+wife+father+mother or only You+wife & another policy for parents?

        Thanks

        Ashal

        1. Ramprakash says:

          Oh Ok. Just me, my wife and the child (yet to be born child). I had provided details of my parents because they have medical history.

          I am also open to the idea of two separate individual policies for me and my wife. But that will not fit our yet to be born child. Thats why I thought family floater is a better option.

          Thanks
          Ramprakash

          1. Dear Ramprakash, please check the Apollo policy where it’s also covering new born child also. As the wife is already pregnant, most of the health insurer ‘ll not cover maternity related expenses till one month after the delivery.

            Thanks

            Ashal

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