Help me to choose a best Health Insurance Policy..

[raj2007]

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]

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]

Which brand is the best? Metlife/Star/ etc.,

 

[amitnsonu]

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]

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]

ohk so hows ur experience with policy/company?how easy/tough is to get claim?what is the catch behind restore benefit?

 

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[Sushubh]

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... :\

 

[raj2007]

Finally took a Mediclassic policy from STAR health @ Rs.3300/yr valued 3 Lakh.

 

[amish]

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]

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"

 

[Sushubh]

i consider myself very lucky that i have had a rather troublefree life wrt health. though i have made sure that future would not be as pleasant based on my life style :\

 

[gaurang08]

Are there any good policies for senior citizen ladies ?? The premium should not be a lot ...