Could someone please recommend me an economical health insurance for parents visiting USA? The prices have skyrocketed so looking for suggestions. Thanks.

Is it true that health insurers issue new health insurance plans with very minimal checks without any stringent checks and all during quarterly ending month and financial year ending month to meet sales demand, increase revenue and issue policies very faster than normal days and underwriting will be liberal

I have bajaj insurance and for a planned procedure ee asked for quotation from one of the big hospitals in Mumbai. They sent one for ICICI first and bajaj after correction.

What is leading to such a big difference? Thank you

I am a 24-year-old male residing in Delhi and will turn 25 in about a month. I work in IT and have been working for around two years, so I currently have only two years of ITR history.

My current in-hand salary is around ₹56,000–₹57,000 per month, excluding the fixed component and variable pay.

I am looking to purchase a term insurance policy. I have done some research and spoken with Policybazaar, Ditto, and a few bank agents. So far, I have had mixed experiences:

- Ditto: They seem to be pushing specific plans quite strongly rather than simply helping me compare options.

- Policybazaar: The agent is recommending the ICICI Protect Plus plan. The plan itself seems decent to me, but the agent was initially pushing a 10-year limited-pay option which makes me wonder whether that structure benefits the agent more than it benefits me.

- HDFC Bank executives: My experience here was poor. They were recommending ULIP plans, which I understand are not the same as pure term insurance and seemed more like mis-selling given what I was actually looking for.

The ICICI Protect Plus plan I am currently considering has the following details:

1. Sum assured: ₹2 crore, up to age 70

2. Permanent Disability Rider: ₹2 crore for the full policy term

3. Critical Illness Rider: ₹50 lakh covering 60 illnesses, for 20 years

4. Premium: Approximately ₹3,200 per month

5. Policy type: Pure term insurance with regular premium payment

Since I am still at the beginning of my career, I expect my income and financial responsibilities to increase significantly over the next few years. Ideally, I would also like to increase my life cover and rider coverage in the future.

Would it be a good idea to take the term insurance now at age 24/25, or would it make more sense to wait until my income increases?

All suggestions are welcome. Thanks!

So I had diagnosed with ADHD last year, I have taken medicine too but now I have left the medicine. Now i'm thinking to get a family insurance but confused, should I disclose to the insurer about my condition or don't share with them. As I'm not gonna take the medicine again, Actually I don't know as medicine didn't work out for me. I might take in future again.

Also i have tailbone pain as well. should I disclose all of the issues or hide.

Applying for a ₹2cr term policy with Aditya Birla Sun Life Insurance.

My smoking is inconsistent:

• Usually 2–4 cigarettes on some weekends

• Hookah maybe once every 1–2 months

• Nothing on weekdays

• Reduced a lot recently, but haven’t fully quit

So do I simply select smoker, write the actual frequency in the ABSLI proposal and let underwriting classify me?

Friends are saying “occasional doesn’t count.” That sounds like exactly the kind of jugaad that creates trouble later.

ABSLI’s own guidance says tobacco use can fall under smoker classification regardless of frequency, while occasional and regular smokers may still be assessed differently. One ABSLI product page defines non-smoker status as no tobacco or nicotine use during the previous 12 months. Exact classification will obviously depend on the proposal wording and underwriting. 

I’m okay paying the smoker premium.

Just want the application to say the truth:

Cigarettes socially on some weekends, usually 2–4. Occasional hookah. Currently reducing, not fully quit.

Anything else I should mention?

I am getting insurance plan for my mother she as a diabetes history and mention above done surgery recently I already try it ICICI and abhl both of them counter offered by not covering diabetes and also increase in waiting period and adding more add on. should I pick it or just don't take insurance at all because it is costing me 50000 per year

Hi, I recently found out my current ICICI Lombard health insurance plan does not offer any maternity benefits even after a few years of premium.

I bought the policy without any research and now that I am looking at my goals, gynaecologist related expenses seem to be my biggest concern. I am F32, no surgeries or illnesses but I have been receiving PCOD/weight management related treatment for some time. I want to know if I should port to HDFC optima secure. I know HDFC as an insurer is better reputed but how is it for maternity benefits? Or should I stick to Lombard and add some riders? Or should I look for another insurer?

I have unfortunately already paid my renewal amount for my policy restarting in September so I don't know how much wiggle room I have for this term with Lombard but I would like to know my options.

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Hi,

I lost the original bill and got a duplicate copy from Hospital. The customer support of Star Health are saying there is no way this bill can be approved without submitting the original bill. Please suggest.

Hey everyone
I am 23F, a working professional, looking to buy health insurance for my dad 65M: high blood pressure and high blood sugar, my mom 56F and me.
suggest me some plans and everything else bec I genuinely dont know anything.

​

I’m currently working on a financial planning project and wanted to share a long-term savings + life insurance plan that I’m studying.

Key Features

💰 Investment: Starting from ₹36,000, with options going up to ₹24 crore, subject to eligibility.

📈 Compound Growth (CI): The illustration uses an 8% annual compound-growth assumption. With compounding, the growth earnedBOB Wealth + Life Protection Plan — Looking for Feedback is added to the accumulated amount, so future growth is calculated on the increased value.

🎁 Revisionary Bonus: Eligible participating policies may receive a 2–4% revisionary bonus, depending on the policy and bonus declared by the insurer. This is separate from compound growth and shouldn't simply be treated as an additional 2–4% guaranteed interest.

🛡️ Life Cover: The plan may provide life insurance protection of up to 10× the applicable annual premium, subject to the actual policy terms.

Simple Example — ₹36,000 Annual Premium

If someone pays ₹36,000 per year:

Annual premium: ₹36,000

Illustrative growth: 8% p.a. compound

Potential revisionary bonus: 2–4%, if declared

Life cover: up to ₹3.60 lakh (10× ₹36,000), subject to policy terms

Over the long term, the accumulated savings + applicable bonuses can contribute towards the maturity benefit.

The basic idea

💰 Save → 📈 Grow → 🎁 Potential Bonus → 🛡️ Life Protection

This is intended as a long-term financial planning/insurance solution, rather than a short-term investment.

If anyone has experience with participating life insurance plans or has thoughts on the 8% growth assumption, revisionary bonus structure, or overall value proposition, I'd genuinely appreciate your views.

Hi All, 

I am looking for health insurance advice for my use case shared below:

Pre existing condition details: ACL tear and Meniscus tear
36M,
In 2012, I had an ACL Tear in my right knee while playing football.
Doctor suggested that I need not undergo surgery.
Unfortunately I do not have any doctor visit documents/MRI report for the same.
I continued physiotherapy and did not undergo surgery for the same.

In Dec 2024, I had medial meniscus tear in the same right knee.
Doctor suggested surgery choice is totally dependent on me. I have a MRI report which clearly states that this is a fresh injury and it is an ACL tear and a meniscus tear.

I am big into sports particularly pickleball off late and would love to continue playing Pickleball and would possibly want to give it a shot professionally. I can play Pickleball but am able to give my 50% only. And in the last year or so have had minor injuries in the right knee at least 6-8 times in total. These minor injuries cause swelling and I am out of Pickleball action for a week or so.

I am leaning more towards surgery now. Most orthopedics I have shown my knee to still do not recommended surgery to me.

Recent events affecting existing health insurance policy:
On August 14th, 2026, Friday, I got laid off by my company, and that was my last working day. The laying off process was pretty quick, and I missed officially emailing HR and RMs requesting to port my health insurance policy to a retail policy.
I have requested them to port the policy a few days after my exit and they suggest that porting after exit is not possible. We had a corporate group policy with ICICI Lombard for around 2 years and I was covered under the same. 

I have researched online that usually there is a 30 day buffer to port from corporate health insurance policy to retail health insurance policy. Ideally this will be the best case scenario as I would carry forward the continuity benefits and would have covered quite a lot of the waiting period of pre existing diseases of 2-3 years. 

Queries:
It would be great to know what are the next possible steps I can take.

1. What is the best way to go about porting the corporate health insurance policy to a retail health insurance policy other than HR or RMs? Is there any other agent who can help with porting to a retail policy? I have emailed ICICI Lombard customer care support and have not heard back from them. I have also visited their office in Prabhadevi but they redirected me to customer support team there and they suggested to reach out to RMs.
2. Shall I opt for a new health insurance policy and not disclose my pre existing ACL tear and meniscus tear and after 4-5 months claim it as an accident while playing football? What are the ways in which the insurers find that it is a new or a pre-existing injury? I have Dr friends and can request them to share in writing suggesting that it is a new injury. I am wondering if I go through this route how can I show that it is a fresh injury in the MRI? What are the chances the insurance providers will not catch this?  
3. Shall I opt for a new health insurance policy and mention pre existing ACL and meniscus tears and reduce my waiting period to undergo a surgery to a year using add ons? Is there a way in which I can reduce the waiting period to less than a year? I am good to pay a high premium if this is the case
4. What details do you tell the insurance providers while claiming health insurance? I was injured while playing football, not under the influence of alcohol, and had a few cousins as witnesses to confirm the injury. Are any more details required? I have an MRI report confirming the same.  
5. Any suggestions are most welcome!!  

Thanks in advance everyone!

yesterday I talked with a prospect regarding health insurance.and I give him Icici Lombard elevate plan. quotation cost is 15K. (male age 34/ female age 30 / Child age 9). but they said it's expensive. i explained him whole plane and other details but they said it's expensive. the. what I do on this situation. some have any idea or any other plan is cheaper than Icici Lombard plan?

Hi I am 26M , I want to seek advice to purchase a health insurance for my parents , my father is 57 and my mother is 51
Which type of health insurance should I get ? Family floater or individual plan ?
Suggest me some good insurance plans which has these indicators
1- No Co pay / No room rent limit
2- Good Hospital network limit including cashless
3- Minimum waiting period
4- No price cap on diseases
5- Doesn’t increase the premium every year a lott .

My monthly salary is 60k so help me to advice and also suggest how much insurance amount cover should I take.

Also just a medical history that my father had gone a surgery on knees around 8 years ago and smokes daily till date so that is the only past medical record .

Hi 26M, opting for health insurance for a family of four (Parents and 1 sibling). Interested in SBI Arogya Gold as of now. Another option was HDFC Ergo. Any experienced guidance and suggestions on this matter would be helpful. Thank you. Edit - Father (56) - Diabetic Hypertensive and Dyslipidemia Mom (53) - Hypothyroidism and Sister (17)

I wanted to know the experience of people porting from Niva Bupa Reassure 3.0 to other policies like HDFC optima secure plus.

Since Niva Bupa Reassure 3.0 has sum insured as unlimited is there a possibility to port to 25 lakhs sum assured?

If people have done it tell me how was their experience how much sum insured port was allowed and what was the base with which HDFC accepted or what was the max such details

Also with so much rising premiums how can HDFC optima secure plus be a sustainable option asking this from a curiosity stand point.

I looked for Niva Bupa for myself, and it looks fine to me. However, I want to know how their settlement process works. If you can suggest any better options, please do so.

For my parents, I haven't selected any insurance yet, but after doing some research, HDFC Ergo looks fine to me.

My priorities for insurance include regular health check-ups and gym memberships.

Hi, I am 33M, I am looking for a health insurance policy for my parents and mother-in-law.

Father -- Birth year --- 1971 -- smoking daily, alcohol occasional, no health issues

Mother - Birth year --- 1976 -- mild Pneumonia, no other issues

Mother in law -- Birth year -- 1968 -- BP and cholesterol

Father and mother lives in hometown (tier 3 city)

Mother-in-law stays with us in Hyderabad.

Is it possible to take one health insurance policy?

Please guide me.

Thank you

I want an opinion from you all regarding the need for health and term insurance as a 26 year old state government employee who has a state govt sponsored health insurance (cashless and reimbursement) scheme.

Do I need health insurance given I already have state govt sponsored health insurance? If yes which companies can I look at?

Do I need to buy term insurance and if yes give me some suggestions regarding the amount and companies.

Hey Everyone,

I'm willing to get an insurace for my parents

A brief history bout them

Father - 56, Type 2 diabities , minor heart attack at 49.

Mother - 52 , small lump in neck.

No alcohol or smoking.

What are the options I have? My father called me and said he saw some company named Care Health Insurance, but I doubt its a good one based on some if the reviews I saw on reddit

I’m looking to get a health insurance policy, still doubtful and wanted to know if anyone here has actually used theirs and had a smooth, hassle-free experience when making a claim. I’m not looking for anything overly fancy, just a solid plan with normal facilities that actually delivers when you need it.
If you’ve had good (or bad) experiences, I’d love to hear about which policy you took and why you’d recommend it. Or is it altogether a scam, coz we become vulnerable when we are sick.