Health Insurance recommendation

nRiTeCh

nRiTeCh

Oracle
Till now I was replying on my employers health insurance policy which is nothing but group insurance. Till now it has served me and my family good.
But it is always better to get a personal health insurance so here I'm for recommendation from people here who have health insurance.

Kindly help me choose or recommend me the best health insurance provider based on real-life exp. not merely on the settlement ratios and claim figs from google.

Someone is pressing me for Star while someone is suggesting ,me Care and HDFC ergo. But I need the one which wont burn hole in my pocket yet offer sufficient coverage.
Also let me know what add-ons to opt for.
 
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I suggest having a consultation with Ditto. They explain everything well and they also have a helpline number in case your claims are having issues. Haven’t had any claims yet, so I’m not sure about how their partners are. Even if you don’t take a policy with them, they give a lot of knowledge on how to choose a plan and provider.
 
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nRiTeCh said:
Till now I was replying on my employers health insurance policy which is nothing but group insurance. Till now it has served me and my family good.
But it is always better to get a personal health insurance so here I'm for recommendation from people here who have health insurance.

Kindly help me choose or recommend me the best health insurance provider based on real-life exp. not merely on the settlement ratios and claim figs from google.

Someone is pressing me for Star while someone is suggesting ,me Care and HDFC ergo. But I need the one which wont burn hole in my pocket yet offer sufficient coverage.
Also let me know what add-ons to opt for.
Click to expand...
Check out star health - super star policy directly from customer care or your nearest branch.
DBot said:
I suggest having a consultation with Ditto. They explain everything well and they also have a helpline number in case your claims are having issues. Haven’t had any claims yet, so I’m not sure about how their partners are. Even if you don’t take a policy with them, they give a lot of knowledge on how to choose a plan and provider.
Click to expand...
Nice recommendation..I just went through their youtube channel https://youtube.com/@dittoinsurance
 
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DBot said:
I suggest having a consultation with Ditto. They explain everything well and they also have a helpline number in case your claims are having issues. Haven’t had any claims yet, so I’m not sure about how their partners are. Even if you don’t take a policy with them, they give a lot of knowledge on how to choose a plan and provider.
Click to expand...
I got both my health and term insurance from Ditto and they're quite helpful. During the health check up for the term insurance I had a big issue with the local lab, but Ditto liaised with HDFC and sorted it out.

They give you choices of providers based on your requirements and then stats about their claim payouts. I highly recommend them.
 

LLA INSURANCE GUIDE 2025.

LLA has posted great videos about health insurance.
Yes the latest one, 2025 one, it has recommendations and how to choose health insurance too.
Care supreme,
Care heart but but it has sub-limits,
Reliance health infinity,
There is one special insurance from reliance for heart related too which covers other normal diseases and stuff too.
HDFC ergo,
These are Are some of the names I keep hearing almost everywhere
(I am not referring to online people here).
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What you need is a good agent.
Qubit said:
Check out star health - super star policy directly from customer care or your nearest branch.
Click to expand...
My 2-cents -
Majority (offline) agents and those who work as salaried employ I saw who used to sell star-health insurance have changed/left/migrated to care or reliance health insurance.
Bcuz of tussle, issues and claim refusal.
Before 2023 almost every agent I saw used to sell star (giving more preference ) or care insurance.
My point being something has happened and not in a good way.
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My sample space is limited to a district only.
 
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