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.
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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.
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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.
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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.
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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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nRiTeCh said:
I will speak with ditto guys if thats the only viable options for honest opinions..
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It's not the only viable option by any means. Ditto is not an insurance company ; they're more of an aggregator. If you have honest and realiable agents around, they're good options too. I only know of agents who are like vultures looking for their next policy. I, infact, had one horrible specimen offer try to sell health insurance to my father and I, at the funeral of my neighbour, who died in her 40s because of cancer.

I chose Ditto because my finanacial advisor recommended them and because they're tied to Zerodha, in whom I have immense trust. Fortunately, things worked out for the most part and when it didn't, Ditto assisted me quite satisfactorily.
 
Adwaith said:
Ditto is not an insurance company ; they're more of an aggregator.
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I know that and 4/5 people have referred me to ditto for advise and suggestions.
Adwaith said:
If you have honest and realiable agents around, they're good options too.
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Not exactly agents but someones aunt, someones uncle etc. are doing star, bajaj etc. And mere googling shows good and bad for almost every co. based on personal user exp.
Party Monger said:
HDFC optima secure or Icici Elevate. Rest are all bullshit and good only on paper. Check if your fav hospital is on their network.
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Are you having personal exp. with these two?
I have a few fav bistros and cafes but hospitals. Who even has a fav hospital!
 
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I have personal medical insurance for myself and my family including parents, via one offline known agent. He provided good service in case of claim settlement including documents collection and getting the claim processed faster. Have Bajaj and HDFC Ego policy and faced no issues till date.

My recommendation would be going with known and reliable offline agent who is in the field from many years.
 
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Will check on HDFC optima secure
What matters is that there's shouldn't be those ifs, buts and butts during the final; settlement as thats the most disgusting and frustrating exp. people have with a few cos. or even with a good rep. one in some cases.
gopal_agrawal said:
My recommendation would be going with known and reliable offline agent who is in the field from many years.
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In that case I have a known agents from Star and one Bajaj. They both are in this field for 15+ yrs and loyal to these brands.
But the net says a different story for both these brands. But these agents aka uncles/aunts of friends say they have taken care of all their clients and in fact 95% of them had a smoother exp. as in the clients didn't had to bother them.

This maybe true as well but usually people say these things to convince to go for their products.
Hence here for a practical suggestion based on real life exp.
 
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nRiTeCh said:
And mere googling shows good and bad for almost every co. based on personal user exp
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Have you watched the LLA's video yet?
They have also shared the resources on how one can find a good policy too.
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I have seen an agent who saved over 85yr old man's reliance policy after a huge fuss with company. Cuz the Oldman suddenly devloped mild paralysis on one side of their face and it wasn't in PED of that policy.
And companies as usual tried to deny/absolish/destroy/purge the policy.

The very same agent provides service by personally going to the place collecting and submitting documents when the person is applying for the policy and when people are need to claim them.

He is too honest and open though.....
=⁠_⁠=

Like I said you need a good agent (offline or online )
Now I maybe saying agent every time but the person I say works as salaried employee at higher post who doesn't need to be as afraid if the quota isn't filled every month or don't need to care as much about the % they will get by selling a policy.
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Also it doesn't matter how much of a great policy you take THERE WILL ALWAYS IFs AND BUTs, Companies aren't fools.
Also there are policies who return some certain portion of money too ( not too much though ).
And ICICI elevate has limitations which might need to bumped up using addons.
There is a reason why ergo/optima (yes, it is also from HDFC ergo.... )
being sold so enormously compared to others cuz it has put in all the stuff it needs at one place/in one go.
 
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nRiTeCh said:
Not exactly agents but someones aunt, someones uncle etc. are doing star, bajaj etc. And mere googling shows good and bad for almost every co. based on personal user exp.
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Not really sure how the data is collated, but Ditto will tell you the claim settlement percentage of each company. Amongst the companies suggested to me HDFC had the highest. They also have one of the highest number of hospitals covered.

nRiTeCh said:
I have a few fav bistros and cafes but hospitals. Who even has a fav hospital!
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In these unfortunate times, multiple hospital visits render the need for a preferred medical care facility. Proximity and having someone you know there are factors to consider. In that respect, its ideal that your choice of hospital is covered by the policy you choose to take.
 
nRiTeCh said:
I know that and 4/5 people have referred me to ditto for advise and suggestions.

Not exactly agents but someones aunt, someones uncle etc. are doing star, bajaj etc. And mere googling shows good and bad for almost every co. based on personal user exp.

Are you having personal exp. with these two?
I have a few fav bistros and cafes but hospitals. Who even has a fav hospital!
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Let's just say I've been to hospitals in last 4-5 yrs far more than i wanted to. Every hospital said star, care and other ones are shit. Don't approve easily. Random deductions.
All reccomended HDFC, icici. Icici comes with 5yrs prepayment and discount. Unlimited claim once in a lifetime and few other optional features.
Favourite hospitals = ones you trust of frequent. I thought that was obvious.

All these ditto etc online shit is mostly a waste of time. Over complicating it to justify their fees. There's not much to be picked in these things. Just check the fine print of a few good policies. All will have limits. Ones without limits like disposables cover will be very costly. Declare everything honestly and in detail.
 
I don't remember the metric name but it should also be considered other than the claims settlement ratio.

It is defined as the percentage of money given in settlements from the amount of money of earned. It is important because companies can game the settlement ratio by doing partial settlements. IIRC, This metric should be 80-85% and HDFC was highest at 80%.

Edit: the metric is called Incurred Ratio
 
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I have heard that if one does not make a claim in that year there are chances, he or she gets some percent of money back or something or next years premium amount gets less. I may be wrong here but I have heard this. Not sure for which insurance it is applicable to.
If it applies for health insurance, then can someone list down such cos. having this option.
 
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