hi, i m 24 yr old guy, i want health insurance for entire family, i am okay with high premiums but i want an insurer with high claim settlement raito history…atleast above 90%
1. my father is 54 yrs old nd he has a history of heart disease but it was 10 yrs back nd was cured by just preventive medicine, no surgery was done, he has a type 2 diabetis ( maturity on set )…
2. my mother is 51 yrs old, and has a history of hypertension, she is healthy aft starting preventive medicines
3. my sis is 18 yrs old nd perfectly healthy
so what kind of options do i have? i m okay with pre-existing diseases getting covered aft 3-4 premiums….one more info my both parents are doctors nd are in government service so they get reimbursement benefits…but wht wil happen aft retirement? so i m planning to have health cover for them much earlier so tht aft 4 yrs preexisting diseases will be covered…there is one more prob, if i go wid family floter then aft 58 they usually convert floter to individual policy for tht person…and i dont have any idea on wht ground they increase their premium…i searched a lot, i think oriental insurance happy family floter is a gud one bt i m really confused, plz guide me and suggest me policy as per my requirement…throw any personal questions on me, i m ready to ans all of them…no worries…