Help me to choose a best Health Insurance Policy..

raj2007

Chennai
[OP]
Regulars
Feb 27, 2009
2,466
125
Chennai
I met with an accident few years back and spent nearly a lakh in cash for the surgery. As the surgery was in my leg i didn't ride my bike till now. Using public transport for each and everything is not convenient though. So i've decided to take a policy and then ride by bike:mml:So help me choose a best Health Insurance Policy from a reputed organization which can be useful to me in case of any emergencies.
 

raddy

Regular
Regulars
Nov 17, 2007
375
21
Bangalore
I met with an accident few years back and spent nearly a lakh in cash for the surgery. As the surgery was in my leg i didn't ride my bike till now. Using public transport for each and everything is not convenient though. So i've decided to take a policy and then ride by bike:mml:
So help me choose a best Health Insurance Policy from a reputed organization which can be useful to me in case of any emergencies.

We cannot easily suggest you an Insurance Policy in a Public Forum, as an Insurance Policy be suggested to an individual after knowing lot of factors.
So, i suggest you visit Online Insurance Quotes: Compare Car Insurance, Life Insurance & Health Insurance India and contact them via their helpline number.
They might suggest an appropriate insurance policy to after knowing all the details about you and specifically about your requirement.
 

raj2007

Chennai
[OP]
Regulars
Feb 27, 2009
2,466
125
Chennai
Which brand is the best? Metlife/Star/ etc.,
 


amitnsonu

Regular
Regulars
Apr 23, 2010
585
46
guys i am looking for policy for family (2+1), have been convinced for apollo munich optima restore policy.is it a good policy?premium = 8436 Rs. for one yrany suggestion ?
 

Sushubh

Administrator
Oct 29, 2004
418,270
13,011
Gurugram
ooh. i have the exact same policy. was recommended by a family member who is in the insurance business. in the end you have to see what it covers and whether that suits you!
 

amitnsonu

Regular
Regulars
Apr 23, 2010
585
46
ohk so hows ur experience with policy/company?how easy/tough is to get claim?what is the catch behind restore benefit?
 


Sushubh

Administrator
Oct 29, 2004
418,270
13,011
Gurugram
i just got it earlier this year. too late considering i am 31 years old. but then. better late than never. and i do not plan to use it for 2 years (unless it is really really necessary) to double my cover. i am paying around 5-6K per year for 5L cover. this is high because i smoke. above 5L required a medical checkup which i wanted to avoid. after two years it should go up to 10L for the same premium per year... :\
 

amish

Star gazer
Regulars
Jul 3, 2006
24,711
1,071
Mumbai
Although I have insurance policy. I always keep wondering if its required?(from financial point of view ONLY not risk point of view)i.e. assuming nothing will happen to me for next 10-15 years.I feel that, eventually, planned savings and interest will give me more returns.
 

raj2007

Chennai
[OP]
Regulars
Feb 27, 2009
2,466
125
Chennai
In 2008 i met with an accident and my knee got dislocated and fractured my wrist. I was cured without surgery. You know what i mean. In 2010 i slip & fell, my knee broke into two pieces. So i went with surgery that costed me 70k+. Only last month i removed the WIRE which costed me 30k+. So i stopped believing "NOTHING WILL HAPPEN TO ME"
 

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