Health Insurance suggestions

[AAK]

Hi .
I am planning to purchase one individual health insurance plan with following requirements
1 - No room rent limits.
2 - Min 10 lakh Sum Insured.
3 - Waiting period for Pre Existing Diseases preferably less than 24 months.
4 - No headache during claim time or Unnecessary reasons for partial claim settlement.

Please suggest some good health insurance providers and their plans.

Also how are services of TataAig , ManipalCigna , Star Niva Bupa health insurance service providers?

 

[AAK]

Nobody here has taken any health insurance?

 

[minuteman]

Nope, I only go to govt hospitals it's free

 

[AAK]

@minuteman which region/state ?
Afaik , in north India , most of the govt hospitals are too congested to get any treatment on time

 

[Notorious]

minuteman is talking nonsense. Health insurance is a must.
In my experience local agents can give you a better deal than online or direct. Go with any top insurer. I am with icici lombard and have claimed cashless twice.

 

[Sushubh]

I had Apollo Munich which is now HDFC ERGO

 

[manu1991]

My parents are using Star Health and they are happy with it. From what I remember pre existing conditions were covered after 18 or 24 months. They have quite an extensive network of cashless hospitals also