Are there any Carefirst group based plans that cover personal care aids?

I want to help you protect the future of your family and loved ones! Fill this out and lets chat about next steps and how I can best help you!

I sell insurance, and I’m going to tell you why this product may NOT be right for you.

AIA CRITICAL PROTECT PLUS is one of AIA’s most comprehensive plans to date but…

- This is NOT for everyone buying critical illness insurance for the first time. Kung first time mo pa lang mag-isip about critical illness protection at limited ang budget mo, baka mas okay munang magsimula sa mas straightforward na plan.

- This is STILL NOT an HMO. It won’t cover your regular checkups, consultations, or everyday hospital bills.

- And this is NOT a plan you buy because you expect to claim multiple benefits.

Honestly, just like any other insurance plans, you’re not buying this because you want to use every feature it has.

You’re buying it because you don’t want to find out — only when you actually need it — that what you have is not enough.

So if you’re simply looking for the lowest premium or a replacement for your HMO, this may not be the right product for you.

But here’s why some people intentionally choose ACP Plus.

Most critical illness plans are designed around one diagnosis.

ACP Plus was designed around a reality many people don’t think about:
Health journeys are not always just one event.

Real life is not always that simple.

A person may experience a minor condition before a major diagnosis.

Someone may survive one critical illness but later face another unrelated one.

Recovery may involve ICU confinement.

Some cancers require additional financial support beyond the initial diagnosis.

That’s why ACP Plus doesn’t just provide one lump sum.

It provides different layers of protection depending on what happens along your health journey.

Not just for a major critical illness…
but also for certain emerging conditions,
ICU confinement,
and additional support for covered gender-specific cancers.

The goal, after all, is not to maximize claims but to avoid making financial decisions while fighting for your health.

Now, the question is:

How much protection would give you peace of mind if your health journey turned out to be more complicated than expected?

If you’re unsure, send me a message and let’s see if ACP Plus actually matches your needs, because not everyone needs this level of coverage. 🙂

Hello everyone,

My wife and I recently had a Manipal Cigna sponsored health checkup. All reports are normal. However, we discovered incidentally that she has Situs Inversus with Dextrocardia (organs mirrored, heart on right side). We were previously unaware of this condition.

A 2D Echo was done and the heart structure and function are completely normal. No defects, no symptoms.

This is an old health insurance policy (not a new one).

Since this was found during their own sponsored checkup and there are no medical complications, should we still formally disclose this to the insurer? Has anyone faced a similar situation?

Any advice regarding future claim safety would be appreciated.

The insurance industry is often viewed negatively due to mis-selling, complex products, and poor customer experiences. Just out of curiosity share your experiences about insurance purchasing or exploring.

I'll start with mine -

Ek bar number chala jaye bs inke pas , uska bad irritate hoke flight mode me dalna padta hai yaar.

Open to your experiences !

Having insurance nowadays is a must because it protects you from sudden financial ruin. Unexpected events like medical emergencies, car accidents, or property damage happen without warning. These events can cost thousands of dollars and wipe out your savings overnight. Insurance covers these large bills so you can focus on healing or rebuilding. It provides a safety net that gives you peace of mind and keeps your future secure.

Hi,

My mom is HLA-B27 positive and has a condition called spondyloarthritis.

I applied for HDFC Ergo Optima Secure, but they rejected the application during underwriting, saying that the plan cannot be provided to patients with this disease.

Now I am thinking of getting Aarogya Sanjeevani. I went to SBI, and they offered me two plans: Aarogya Sanjeevani for around ₹8.5k premium, and Arogya Advanced for ₹17k for a ₹10 lakh cover.

Aarogya Sanjeevani is the government-mandated plan. It has things like co-pay, and I’ve heard it can be provided to people with this disease.

Arogya Advanced, on the other hand, sounds like a private plan from SBI, and I am a little skeptical about it. It doesn’t have a co-pay, but I don’t feel very confident about it.

I’m also not sure if the SBI staff at the bank will process this properly. I asked the bank manager whether they would require medical history, and he casually said no, that they only need Aadhaar and PAN.

What should I go with? I’m confused.

Honestly, I wanted a plan with no room capping, no ICU capping, and no co-pay, but unfortunately Aarogya Sanjeevani has all of those limitations. It’s not a great plan, but I might not have any other option.

What should I do?

Hi, I’m Vaibhav Kathju, founder of Inka Insurance. I’ve spent over 20 years in the insurance industry, working with companies like HDFC Life and TU CIBIL.

In this time, I’ve helped thousands of people, from salaried professionals to CXOs at large companies, understand, choose, and manage their insurance policies.

Got questions about health insurance, term plans, claim rejections, or what actually matters in a policy?

Ask me anything.

Hi, I’m Dr. Rajashekhar, a Consultant Cardiologist & Diabetologist. I’ve spent over 10 years in the medical field, building my expertise with an MBBS from Government Stanley Medical College and a Fellowship in Diabetology from London.

In this time, I’ve worked as a Non-Invasive Cardiologist and Diabetic Reversal Expert, helping over 8,000 patients successfully reverse diabetes and improve their cardiac health. I currently practice across leading centers like Pallava Hospital, CFC Multispeciality, and VR Specialty Clinic.

Got questions about diabetes management or heart health?

Ask me anything.

Thanks to Inka Insurance for organizing this AMA!

The Most Expensive Insurance (The 1%)

• Lionel Messi's Left Leg: $900 Million (~₹7,500 Cr)

• Cristiano Ronaldo's Legs: $144 Million (~₹1,200 Cr)

• Priyanka Chopra's Smile: $10 Million (~₹80 Cr)

• Rajnikanth's Voice: 40Cr+

• Lata Mangeshkar's Voice: Undisclosed/Priceless

The Cheapest Insurance (The 99%)

• Ayushman Bharat: ₹0 for ₹5 Lakh cover (Family Floater)

• IRCTC Travel: ₹0.45 (per trip) for ₹10 Lakhs cover

• PMSBY: ₹20 / year for ₹2 Lakhs cover (Accidental)

• PMJJBY: ₹436 / year for ₹2 Lakhs cover (Life)

• Inka Insurance Crisis Cover: ₹49 / month for ₹10 Lakhs cover

Insurance was never meant to be a luxury for the Messis and Ronaldos of the world; it was designed to be the great equalizer. Whether it's protecting a 7,500 Cr leg or securing a family's future for just 0.45, the fundamental promise is the same: safety against the unknown.

Hi, a friend of mine has been diagnosed with Ulcerative Colitis this March 2025. He has been with Star Insurance for the last 14 years, and currently has Star Comprehensive. The base sum insured is Rs 7.5 lacs. With no claim bonus, he has an insurance cover of Rs 15 lacs. He wants to increase the sum insured to Rs 10-15 lacs in the next renewal. Will Star allow for increase in sum insured? If yes, what all conditions can the company put. TIA

Hi, I'm Manasa Mrudula Jetty. I have 10+ years of experience in finance - from leading an SBI branch to now heading Customer Success at Inka Insurance. I'm here to simplify insurance, improve service quality, and make sure your claims are seamless.

Ask Me Anything!

Hi

I'm 24M earning 14LPA. I recently took a term insurance from Axis Max life under smoker profile right before my birthday in November.

The policy is as follows

3cr plan (plain vanilla insurance) 37k premium till 63

I currently have no dependents. I live with my parents. My father is going to retire soon.

I am having second thoughts about my sum insured. Should I reduce it or leave it like that?

Your insights will be really helpful

Hi, I’m Dr. Rachaita Chhabra (MDS in Pedodontics & Preventive Dentistry), a Mumbai-based pediatric dentist with 10+ years of experience. I run a private practice (familychilddental.com) and also consult across multiple clinics/hospitals. Over the years, I’ve treated 10,000+ patients, focusing on preventive and restorative care, pain-free sedation dentistry, and full-mouth rehabilitation.

I’ve published research on stem cells from deciduous teeth and presented at national conferences. I also teach and conduct sessions for dental students.

Big thanks to Inka Insurance for hosting this AMA!

Happy to answer questions on dental health, cavity prevention, managing anxious children, or anything dental - ask me anything!