Launching your Health Insurance Discussion Forum

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Health Insurance India Community

As an organization focussed on Health Insurance services, we have an endless queue of questions from health insurance seekers and consumers. "I am buying Health Insurance, I am confused between Product A and Product B,  which one is better in the long term?" "I have made a claim with XYZ Insurance Company for my mother's hospitalization, the claim has been rejected for citing reason of Pre-existing Disease. This is ridiculous, as my mother never had any ailment when buying the Insurance. How do I fight this out?" "Why does Individual Insurance have a restricted network of hospitals, whereas Group Insurance which is bleeding, get so many benefits? Is this not discriminatory?"

 Many of these questions are common. What we have also observed, is that many can be answered by fellow consumers, who have had a real experience with Health Insurance buying or claims.

The Health Insurance Discussion Forum formally launching today, is a platform to bring health insurance newbies, experienced medical insurance consumers, health insurance agents and the experts at Medimanage.com together as a community, to help fellow members take decisions, actions in Health Insurance.

Here's the link to the Health Insurance Discussion Forum

You will find that there is already huge activity in the forum (around 113 conversations). We had invited a closed group of health insurance seekers, existing customers, agents to participate.

Feedback welcome in the Comments Section below....

Leave your Comments. Ask questions to our Experts.





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Comments
a subrahmanya raju 2/18/2012 3:52:52 PM

i am covered under family floater 3.5 lacs with united inda insurance mediclaim   my age 47y, wife 45y, elder daughter 21y& younger 17y current is 7 th renewal,apart from this i have family floater for wife 45y younger daughter 17y for 3.00lacs now for 3rd renewal due in the month if june 2012, now i want increase cover to 5.00 lacs please advice

Reply
Mahavir Chopra 2/20/2012 11:01:21 AM

Dear Mr. Raju,

You can upgrade the sum insured, by informing the Insurance Company, before the renewal. It would require you to pay additional premium. Note, the waiting periods and time bound exclusions would apply for the increased sum insured.

Reply
ravindra 3/4/2012 5:44:25 PM

I an a covered by Star Health policy for Rs 5 Lac for self, wife and child aged 24 yrs. Recently i underwent an operation and was intimated cash less operation in hospital listed at Star Health, however on discharge i paid Rs 30,000 to the hospital without which i was not getting discharge.Now my policy is due for renewal and i want to change over from Star Health the Cheaters to a descent Medi claim Policy of other company, Please advise a suitable one.

Reply
sumitgupta 4/6/2012 11:14:38 PM

my father age is 69 and he is diabetic.which health plan is better star health,national varisht or pnb royal mediclaim.

Reply
Mahavir Chopra 4/9/2012 4:25:16 PM

Hello Sumit,

PNB Royal is good, but has issues in the long term. I would suggest you go for a combination of PNB Royal and Star Health Red Carpet.

Ensure you have a good agent/advisor to support at the time of claim.

Here is a link which discusses issued about Bank Policies: www.medimanage.com/.../...m-should-you-buy-it.aspx

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