3. Also, every year Star Health (twice in a row now) Star Health has played with my NCB reflecting in my policy document and I had fought hard to get correct data printed in document again.

4. What are the most common exclusions in a health plan?

 I RAJESH KUMAR HAVING A HEALTH OPTIMA INSURANCE POLICY WITH STAR HEALTH W.E.F.19/12/2010 WITHOUT ANY INTERRUPTION, BUT TAKEN A POLICY FOR 3,00,000/- SUM ASSURED BUT GETTING NCB NOT MORE THAN 10000 PER YEAR WHICH IS NOW COVERED UPTO 3,80,000. OTHER COMPANIES OFFER 25 TO 50% EVERY YEAR FOR NCB. SHALL I CONTINUE WITH THE EXISTING COMPANY OR MIGRATE WITH SOME OTHER COMPANY? PLEASE ADVICE. WAITING FOR YOUR FAVOURABLE ANWSER.

1. Renewal notice does not mention Earned/to-be earned NCB, which other insurers expect to know, they just do not bother about any supporting docs like policy write ups, policy document etc.

I have an individual health policy with Nivabupa. The current renewed policy document mentions: 1. Base Sum Insured Rs 5 lakh 2. Loyalty Additions Rs 2 lakh  3. Next Column Sum Insured (Base Sum Insured + Loyalty Additions + Refill amount ^) (in Rs) 12,00,000 My 2 claims totalling Rs 6.25 lakh for Angiography and Bypass Surgery were settled only for Rs 500,000.  Is this in line with norms? 

Hello Team, I have clarification w.r.t Insurance and please find my details below 12-Jul-2023: Second Child born 10-Aug-2023: Floater Policy(2 Adults and 1 Child) took as suggested by Agent with 3 years Premium Second child cannot be added due to minimum eligibility days Agent recommended to add 2nd child after 60days and difference premium to be paid After 90 days (not sure about the date): Tried to add 2nd child to the policy through agent but it was not able to done Agent suggested that "We can add it in next year (i.e during Start of August 2024) 10-Aug-2024: When checked with Star health, they said that "Addition/deletion can be done at 2026" and said that "Addition of child should be done through mail after 91 days and website will not support to add a child" and when I asked the document reference for the same and no response yet from Star Health Current Policy holding: Corporate Insurane : SI (3L) for 2 Adults and 2 Childs Personal Insurance : SI (25L) for 2 Adults and 1 Child Star Health Suggestion: Take a separate policy for 2nd Child for 5L and it can be added to existing policy in 2026. Please let me know how to proceed further 1. Whether the Separate policy can be taken here or wait until 2026, to add the 2nd child 2. Whether the Star Health was really worth or can I consider for porting in 2026 due to disappointment with above issue Thank you in advance!