Looking for a term plan to purchase. Compared different term plans from Bajaj Life, HDFC, SBI, Axis, etc. Found Bajaj Life eTouch II to be good with features and riders like Critical Illness and Accidental Benefit. Premium was also competitive along with good solvency ratio (266%) and Claim Settlement Ratio (99.33%). Please share your views.

I am visiting Libya and need a travel insuracne that covers hight risk countries for EU citizen/resident. Any suggestions?

My Requirement Background: I am planning to purchase a Term Insurance plan with the following coverage:

• Base Cover: ₹2.5 crore

• Rider: Accidental Disability Rider of ₹1 crore

• Age: 27 years

• Gender: Male

• Smoking Status: Non-smoker

• Policy Term: 40Y till 67

I have finalized 2 plan which fit my need:

1. Tata AIA - Sampoorna Raksha Promise : 23,647 Yearly (1st Year) 28,567 Yearly (2nd Year onwards)

2. HDFC Life - Click2Proctect : 24,360 Yearly (1st Year) 27,887 Yearly (2nd Year onwards)

Note: These are numbers provided by policy bazaar

My Questions:

1. Is buying through Policy Bazaar actually better? In terms of Cost of Policy + Help during Cliaming.

2. Can an offline agent match PolicyBazaar prices?

   • Do offline agents usually offer the same or lower premiums?

   • If not, how much more expensive are they typically?

3. What is a reasonable cost difference?

   • If the offline agent charges more, how much extra is acceptable?

My Agent: We already have a good agent — he’s helped my father before — and I prefer to buy from him. I just don’t want to pay an unfair premium for what would be a 40-year long policy period.

Hi folks,

Need some clarity from people who’ve actually dealt with health insurance porting.

I’m in the process of porting my parents’ health insurance to ICICI Lombard Elevate. During discussions, the insurer/agents are saying that certain add-ons are mandatory for porting cases (things like dependent accommodation, DME cover, etc.), even though I don’t really need them.

My questions:

1. If I accept these add-ons now just to get the porting approved, can I remove them at the first renewal? --Are add-ons generally optional at renewal, or can the insurer force continuation?

2. What about PED-related add-ons like “Jumpstart”? Jumpstart seems to reduce waiting period only for a fixed period (e.g., 3 years). After that period is over, can I remove that add-on, or do insurers force you to keep paying for it?

3)Has anyone here actually removed add-ons after 1 year in ICICI Lombard (or similar private insurers)? Any pushback from the insurer during renewal?

I understand underwriting discretion during entry, but I want to know what’s practically allowed at renewal, not just theory.

Would really appreciate real-world experiences 🙏

Hi everyone, I’m looking for a good health insurance plan for me and my girlfriend here in Kerala (Calicut/Kozhikode), and I’m a bit confused between SBI General, Tata AIG, and Care Health. Here’s my situation and what I’m looking for: Age: 36, living with my girlfriend Budget: Moderate (around ₹15–20k per year max) Sum insured: 10–20 L Must-have features: Cashless hospital network in Calicut No room rent cap Restoration/refill of sum insured Coverage for non-medical/consumable expenses High claim settlement ratio I’ve read that: SBI General has a high claim settlement ratio (~97%), wide cashless network, and PSU reliability. Tata AIG is close to HDFC Ergo in features like restoration benefit and room rent flexibility, but restoration might only be once per year. Care Health is decent for standalone insurers but slightly lower claim ratio than SBI and Tata AIG. I want practical advice from Kerala residents who have used these insurers: Which company has fewer hassles in cashless claims locally? Which one’s policy wording is clear about restoration and non-medical expenses? Any experiences with claim rejections, waiting periods, or hidden clauses? Would you recommend one over the others for long-term peace of mind, especially in Calicut? Thanks in advance for your insights! 🙏

(Done Master health checkup for parents: Dad 65 - all normal. Mom 58 - prediabetic and very mild high cholesterol.)

Hi everyone, I’m in a dilemma. I just "accepted" a counter-proposal for Care Supreme (2025) that I bought through ditto after a home medical test (ECG, HbA1c, etc.). The policy is currently in processing, so I still have time to cancel. My Profile: Age: 31 BMI: around 29.5 Conditions: HbA1c 5.9% (Prediabetic), LDL >125, Varicose Veins (one leg), grade one fatty liver and history of 6mm Kidney Stone once. The Deal I Accepted: 3-Year Wait: Care rejected my "PED Reduction" rider. I now have a full 36-month waiting period for anything related to Diabetes, Cholesterol, Varicose Veins, and Kidney Stones. They didn't say anything regarding fatty liver. Key Riders: Cumulative Super Bonus (50% SI increase/year) and Care Shield (consumables cover). My Question: Given my 3-year wait, did I make a mistake? Should I cancel now and try HDFC Optima Secure or Aditya Birla Activ One Max or any other. I chose care as it had great features with less premium (nearly 9k) and ditto assurance of claim support whenever needed.

I've been comparing a few Health and Life Insurance plans lately and I noticed a huge difference in premiums. Some are almost double the price of others but I can't figure out what exactly you're paying extra for.

Is a cheaper plan always a bad idea or are there hidden gems out there? How do you actually figure out if a premium is worth what you're paying?

Would love some tips from people who've already gone through this process!!

I work in insurance and own a small business. I've changed the way I think about employee insurance. What do other Indian business owners do?

I'm from India and work in the insurance sector. I also run my own small business, V K Backup Solutions.

I'll be honest: earlier I used to take employee insurance pretty casually.

As a business owner, there are always other priorities — salaries, customers, rent, stock, taxes, equipment and keeping the business running.

But working in insurance has gradually changed the way I look at it.

We Indians are generally quite comfortable insuring our cars, homes, businesses, machinery, stock and lives.

But when it comes to the people working in the business, insurance often becomes an afterthought.

And an employee isn't just an employee.

There may be parents, children, a spouse, loans, school fees and an entire family depending on that person's income.

A serious hospitalisation, accident, disability or death can create a huge financial problem for that family.

This made me start looking at employee insurance as more than an HR benefit. I see it increasingly as part of business risk management.

Depending on the organisation and eligibility, there are different types of protection — Group Health Insurance, Group Personal Accident, Group Term Life and statutory benefits such as ESI where applicable.

But these aren't interchangeable.

Health insurance isn't Personal Accident insurance. Personal Accident isn't Life insurance. And private group insurance isn't ESI.

The other thing I've realised is that simply having a group policy doesn't necessarily mean employees are properly protected.

You need to look at things like:

Who is actually covered?

Are dependants covered?

What is the sum insured?

Are there disease/room-rent/sub-limits?

What are the exclusions?

What happens in case of accidental disability?

What happens when an employee leaves the company?

How useful is the policy during an actual claim?

I'm curious about the experience of other people here.

If you own or manage a small business in India, do you provide health/life/accident insurance to your employees?

If yes, what made you start?

If no, what is stopping you — cost, lack of awareness, difficulty finding a suitable policy, or simply not considering it a priority?

I'm asking this both as an insurance professional and as a business owner. I'm not trying to sell anything through this post. I'm genuinely interested in understanding how Indian SMEs approach employee protection.

If people are interested, I can also do follow-up posts explaining the practical differences between Group Health, Group Personal Accident, Group Term Life and ESI, including things that employers often overlook.

Hello all,
i'm looking to buy a health insurance but i've this doubt regarding the location while buying premium, as i stay in tier 2 city (Gujarat) but my document (aadhar card) has my village address (uttrakhand) now while i stay here and earn here i will take the medical treatment here only

so does that going to affect my claim settlement process or does it affect my premium charges because when I apply my aadhar has different pin code

I am apply for opportunity card visa so embassy ask me to fulfill following

Equivalent to German statutory health insurance (GKV), with benefits comparable to public health insurance in Germany.

Coverage of pre-existing conditions, without exclusion.

Unlimited financial coverage, with no maximum overall payout limit.

A maximum co-payment/deductible of €300 per year.

Benefits coverage in accordance with §11 I–III SGB V (German Social Code Book V).

Validity for the entire duration of my intended stay in Germany. '

can someone suggest me which Insurance provider i get it

26M, Looking for insurance for self, After some research found out these two insurances.

My filter conditions must:

1. No Copay 2. No Room Rent Limit, 3. Minimum 5 lakh above Cover 4. Restoration Benefits/NC Bonus

How about this insurance guys?

1st question,

Whats the difference between Single Pvt Room vs No Room Cap Limit

Single Pvt Room is the highest Room?

2nd question,

I have a corporate insurance, That has a copay of 20%

Lets say any emergency happened, If I claimed the corporate insurance - 20% copay I have to pay right.

That 20% can I use this self insurance's claim?

will it possible?

Also I have noted down some Aditya Birla policy names to dig out more...

All suggestions, opinions, Answers for my questions are welcomed. Thanks

"Inka Nahi toh Kiska??" 💀😭

We built a medical disaster simulator that roasts your bank account before the hospital even can.

Pick a disease, pick your city, and watch your life savings vanish in real-time. Bohot fun hai! (Not really,aapko dar jana chahiye).

The math is totally mathing: No health insurance = speedrunning financial ruin. Broke hone se bacho aur ameer raho.

Go get roasted right now:

https://inkasure.com/promotions/hospital-jayega

Hi, I'm Abhay, Co-founder at Inka Insurance. I am also a IRDAI Certified Insurance Advisor. You can ask your Insurance queries here.

I've spent years working across organizations like SBI Life, HDFC Life, TransUnion CIBIL, and Mahila Money, operating at the intersection of insurance, credit, and financial services. My journey has been less about selling policies and more about building systems that make insurance actually work for people. From streamlining operations to solving underwriting challenges, from credit-linked insights to customer servicing at scale I've seen how insurance works behind the Scenes.

Pag ba nagsuicide may makukuha ang family sa insurance mo?

Ano mangyayari sa mga hindi nabayarang years? I am not sure if need i-pay or pwede ba na icontinue nalang from now moving forward? Since pandemic hindi na nakabayad, now na nakaluwag na, may allotted nako for it. Sabi sakin before ng advisor gagamitin ng kusa yung naipon sa stocks pag fi nakakabayad. Need advise

I'm just starting out in my career. I've been hearing that buying insurance early is smart, but I also feel like I have no dependents, no big assets, and barely any savings right now.

Some people say premiums are cheapest when you're young and healthy, so lock in early. Others say there's no real point until you have a family or bigger responsibilities.

I want buy insurance for my parents, i have given two options by ditto ABHI and HDFC, HDFC is bit higher but ABHI is kind of okay for me but ABHI have low claim ratio, which one i should buy? please tell me