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Should I Get Care Health Insurance with 50 Lakh Coverage?

Milind Vadjikar |1178 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 04, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Question by LN on Aug 10, 2024Hindi

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please advice Care health insurance for health insurance plan coverage of 50lac is good to take from care health is it claims are settled hassle free

Ans: Based on my personal experience, I would recommend HDFC ergo, Star health insurance & Govt health insurance companies. Apart from Claim settlement ratio, look at other features like coverage throughout India, some have restriction based on where you stay, minimum waiting time for pre existing illnesses, extent of no claim bonus and preventive tests, reinstating full cover despite usage at one instance, etc. This is not to say that Care health insurance is not OK but do your due diligence on above points and seek help from your insurance advisor if needed.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Question by Sunil - Jul 28, 2022Hindi

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I am working in an IT company and have medical insurance coverage to all family members up to 10 LPA. Apart from company insurance I had taken Bharati Axa Insurance health Insurance for 15 LPA for my family members but 2022 March it got expired and they moved to ICICI Insurance. At present that insurance is closed. I would like to take a small insurance of 2 to 5 LPA per annum and continue till lifelong with increase in the sum assured without any extra payment on yearly basis and free medical checkup every year and premium to be 5K to 10K per annum. I am 46 years old.

Ans: Hi Sunil, there are policies in the market who will provide you with the said coverage within the said premium grid. You can contact us at 02248971018 to explore the plan details or connect directly with an insurer of your choice to know of the various policies and plan as per your requirement.

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My salary is 60k pm and I am reaching 50 years of age, I am planning to take a mediclaim policy. Can you please help, which policy and how much cover should I look for me and my wife?

Ans: Hi, the coverage amount should be an estimate of the treatment you may be expecting in the near future in case you have any pre existing diseases. Else, due to the age being on higher end, you may have to pay higher premiums. Do not delay and purchase as soon as possible.

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Insurance, Stocks, MF, PF Expert - Answered on Nov 12, 2024

Asked by Anonymous - Nov 12, 2024Hindi

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Any good health insurance policy with sum assured Rs. 05 to 10 Lakhs with good claim settlement ratio for a 34 years male with spouse 25 years and kid 05 years, kindly recommend ? It has been noticed that insurance company reject the claim often despite of genuine disease and submitted documents. So keeping this thing in mind, any good health insurance policy suggested so the family can stay protected ? Budget limit- annual sum of max upto 20k. Kindly recommend

Ans: Hello;

Before signing up for a healthcare insurance cover you need to understand the permanent and time bound exclusions mentioned in the policy

Also check the black listed hospitals on insurers website and avoid them as far as possible.

Better is to select network hospital and go for cashless facility.

Also before signing up, you need to honestly disclose pre-existing diseases, hereditary history of you near blood relatives in good faith.

This will reduce chances of claim rejection.

For your reference I am sharing names of some health insurers whose incurred claims ratio(ICR) was above 80% in FY-24:

HDFC Ergo
ICICI Lombard
SBI General
Bajaj Allianz
National Insurance

Request you to do your due diligence and seek help from an investment advisor or insurance advisor for further help.

Best wishes;

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I accidentally called my current partner by my ex's name while having a private moment. The second time I yelled when we were watching a movie starring my ex's favourite actor. Things have got a bit weird since then. I don't know how to talk about this to my partner.

Ans: Dear Anonymous,
Whether it was a genuine mistake or there are lingering issues that led to this slip-up, it is natural for your current partner to feel uncomfortable and even sad hearing you repeatedly calling out for your ex. I hope this much you acknowledge. Now moving on to how we can fix this- first of all, apologize; mistake or not, you can still say you are sorry. Next, have a clear discussion with your partner- ask her how it made her feel and what can you do to make it better. This way she can see that you are owing up and taking initiatives. Then, I want you to reflect- why is this happening? Did you get into this relationship before you could fully move on? Or have you been thinking about your ex? If so, why and is that fair to your present partner? I hope if you are honest with your answers, by the end of it you will have some clarity.

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Asked by Anonymous - Mar 05, 2025

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I have a crush on my colleague recently. We started as a friend but one day we get drunk on one of colleague house. We talk about life and love. I asked about his ex. He told his past relationship story how they break up. I also shared some of my past situationship. We live in a same colony. So we came back home together getting drunk I told him you can lean ur head on my shoulder. And he suddenly lean his head on my shoulder and he was sleeping and I wake him up when we reached our destination. He takes me to my house and I suddenly hold his wrist. I don't why did I hold him and next morning he yes hi (call my name)how are you I didn't respond properly I'm just like yeah good after that he seems to avoid me a lot he didn't talk to me much I caught him looking at me sometimes but it might be coincidence. I think he doesn't like me

Ans: Dear Anonymous,
I understand it must all be very confusing but I would suggest not jumping to conclusions. You think he doesn’t like you, but he might be thinking the same since you did not respond to him properly the next day. That could have triggered his current behavior. If you have feelings for him or if you even miss him as a friend, I would recommend you to clear the air with him. Just talk it out- you can explain how things got a little heavy the other day and that’s why you didn’t speak to him nicely and apologize if that made him feel bad. If even after that he continues to avoid you, then you will have better clarity.

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Dating, Relationships Expert - Answered on Apr 18, 2025

Asked by Anonymous - Mar 30, 2025

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My son got 96.67 percentile in JEE mains in general category. I am from Kolkata. WB. Pl suggest where he can get CS.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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