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Old 13th November 2019, 07:58   #511
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Default Re: Health insurance queries? Ask me!

I am looking to buy a health insurance policy for my mother who is 61 years old for a coverage of about 5-10L. I am skeptical to go for Star health insurance. Any advice would be of great help!
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Old 13th November 2019, 11:26   #512
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Default Re: Health insurance queries? Ask me!

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Originally Posted by Johnnny View Post
I am looking to buy a health insurance policy for my mother who is 61 years old for a coverage of about 5-10L. I am skeptical to go for Star health insurance. Any advice would be of great help!
Any specific issues with Star?
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Old 28th November 2019, 10:56   #513
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Hi guys, I have ICICI Lombard health insurance since 2005 or so.

My current policy is for 6L (3L for me and 3L for my wife and kid). I paid approx 25k for 2 years in Dec'17. At the time of renewal, ICICI Lombard used to increase 1k-2k which is fine.

This time, they are asking Rs.40600 for 2 years. Has anything changed in last couple of years?

Last time additional coverage was Rs.2.70L and this time it is showing as Rs.3.00L.

What are my options now?
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Old 28th November 2019, 11:30   #514
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May I please ask if anyone has experience utilizing "Top-up" or "Super Top-up" medical insurance? By experience, I mean actually having a claim reimbursed via Top-up or Super Top-up.

The reason I ask is that the whole process seemed murky to me. For example, Super Top-up can be availed when the threshold amount is crossed. How do we prove that the threshold amount is crossed when the bills for those will be paid by the primary insurer and with cash-less claims, the patient/ party is never provided any bills directly (as it is between the hospital, TPA and the insurer).

Assuming that Super Top-up is cashless, still the onus is on the insured to prove to the insurance company that the threshold amount is utilized. Looks like for which we will have to run from pillar to post to get duplicate bills from the hospital (tedious process especially when in a cashless arrangement).

Lets assume for a moment that we could prove that the threshold amount is used up and now it is the turn for the super top-up to be utilized, would it then mean that the insurer has the right to reject the medial procedure (based on their guidelines) even though the primary insurer had no problems with it?

Any thoughts appreciated because I am not getting a transparent answer from the insurance companies to whom I have inquired about the Top-up or Super Top-up plans. All they say is that your claim will be processed without an issue, which isnt assuring.

Thanks!
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Old 28th November 2019, 11:34   #515
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Originally Posted by mukeshgoel View Post
Has anything changed in last couple of years?
Has anyone in your family crossed 45 years of age in the last couple of years? 45 is a big line in health insurance. Statistically, you are more likely to cost the insurance companies more after 45 - hence premiums are higher.


Check Star Health, from what I remember, their premiums are lower even for 45+ as compared to yours. That said, you will not find really cheap premiums after age 45.

Last edited by carboy : 28th November 2019 at 11:35.
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Old 28th November 2019, 11:42   #516
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Originally Posted by carboy View Post
Has anyone in your family crossed 45 years of age in the last couple of years? 45 is a big line in health insurance. Statistically, you are more likely to cost the insurance companies more after 45 - hence premiums are higher.

Check Star Health, from what I remember, their premiums are lower even for 45+ as compared to yours. That said, you will not find really cheap premiums after age 45.
Thanks.

At the time of last renewal, when I paid 25k for 2 years, I was 45y6m and my wife was 45y1m (mentioned in the policy also). I think they have 46+ slab for higher premium.

Is it easy to port to other insurance companies like Star Health? How are the reviews of Star Health?

Any other insurance company would you like to suggest?

Edit: Even Star Health premium comes to Rs.53701 for 2 years.

Last edited by mukeshgoel : 28th November 2019 at 12:12.
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