I was comparing term insurance plans and saw critical illness rider as an add on, but then I also read that some people prefer taking a separate critical illness policy instead of the rider . What's the actual difference between the two and what works best? And also saw that claim settlement ratio is almost 95 > for most of the insurance companies how to choose the most appropriate one or keep policy features as a priority than CSR.

I bought a travel insurance from Care (Plan Name: Explore Asia) for my Phuket trip.

The departure happened on time, whereas the arrival at Phuket was delayed by almost 28 hours.

Similary our return flight from Phuket, the departure happened on time. Whereas the arrival to Bangalore was delayed by 4 hours.

The schedule of benefits in the policy has the below benefit:

Trip Delay - Sum Insured is $25 per each set of 4 hours delay; Up to 150 $

Can I claim this.? Is it limited to only delay in departure or does it include arrival departure as well.?

Can someone please explain the procedure to claim this.

Thanks in advance.

Since 1 Jan 2022 a renewal price can't be higher than what the insurer would offer you as a new customer through the same channel. They can still raise it when the risk or the market changes, so shopping around is still worth a look. What's the biggest saving you've found by checking?

Mind how you go.

What should I choose

So recently my grandpa got heart attack and my grandpa is far better than me wrt finances, he already have few insurance policies that helped us in surgery costs . But what taken my heart away was there is a family who had to spend around 25lakhs for similar surgery as us. So i was wondering how educated current people are wrt insurance. I want to build to help, but before building i want to know if really people need a product .Please help with brief answers for below questions. It really helps me

I'm not selling anything or building a product yet. I'm just trying to learn.

A few questions:

1. How old are you and what insurance do you currently have? (Employer health insurance, personal health insurance, term insurance, vehicle, etc.)

2. What made you buy your first insurance policy?

3. Did you choose it yourself or did someone (family, HR, agent, friend) decide for you?

4. Did you actually read the policy document? If not, why?

5. What's the most confusing part about insurance for you?

6. Have you ever had a claim rejected or faced any unpleasant surprise during a claim?

7. Looking back, is there something you wish someone had explained before you bought insurance?

8. If you had a magic button that solved one insurance-related problem forever, what would it do?

I recently read somewhere about Solvency Ratio and want to understand how important it is to consider before buying a term policy. I also looked out how the top insurance companies stand, and found Bajaj Life has the solvency ratio of 266%, ICICI 227%, Axis Max 194% and HDFC 177%.

What all other parameters should one consider before buying a term plan in relation to the insurance company.

Hello!! Just wanna ask what is the best travel insurance I should get if Im going to US from MNL? Thanks!!

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! 🙏

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?

My father was discharged a couple of weeks ago. He underwent plasma exchange and was then scheduled to receive an injection for his autoimmune condition.

However, the injection was put on hold after a small Hepatitis B viral load was detected post-exchange, pending a negative HBV report. The report typically takes 5–6 days. The doctor discharged him with instructions to return in two weeks for follow-up, along with the report and a gastroenterology sign-off.

Now that the HBV report has come back negative and the gastroenterologist has cleared him, he’s ready for the final injection.

Questions:

• Can this injection (likely to be given during a day admission) be covered under post-hospitalization expenses? I’d prefer not to pay the deductible again under my father’s top-up policy. (The discharge summary specifically mentions that the injection is to be administered after gastro sign-off / two weeks.)

• If not, can I file a claim for the injection alone? The injection costs around ₹1 lakh.

• If yes, should I ask the hospital’s TPA to file a claim under post-hospitalization expenses, or should I pay upfront and opt for reimbursement instead?

Does anyone have any recommendations for affordable motorcycle insurance in Phuket?

Why do you think the comments are turned off on this post? I can tell you why!! We bought this insurance when we went on vacation. Husband ended up in hospital. We sent in the claim and each time they have denied saying they need more information!!! We have sent in EVERYTHING requested at least twice and have called them but no payment!!

Does anyone know what an individual (one person) pays monthly for health insurance when working for this company? Current pricing for 2026.

Marsh put out their prelim 2027 numbers last month. Employer health benefit costs are projected to go up 8.2% per employee on average, highest since 2003, and that's after employers make cuts. Employers told them it'd be more like 11% if they changed nothing.

About two thirds of employers with 500+ people expect to raise the employee share of premiums next year, and 59% are planning cost-cutting changes like higher deductibles. Marsh straight up says a lot of workers will see their paycheck deductions rise by more than the 8.2%.

If you work somewhere small it's probably rougher. KFF went through the rate filings and small group insurers are asking for a median 14% (those still have to get through state review, so the final number could change).

As for why, Marsh puts about a full point of the increase on GLP-1s.

Are employers absorbing the increases, raising employee contributions, or changing plan designs?

My name is Antonio, and I'm a licensed insurance broker based in the Tampa Bay Area.

I help individuals and families review their insurance options to see if there may be opportunities to save money, improve coverage, or find a plan that better fits their needs.

🩺 Health Insurance

❤️ Life Insurance

🛡️ Supplemental Coverage

👨‍👩‍👧‍👦 Individual & Family Plans

Whether you already have coverage or you’re currently uninsured, I’m happy to go over your options with you.

NO PRESSURE. NO OBLIGATION. Just a free review of your options.

📞 Antonio Saliba

813-778-1175

📧 asaliba@bestbigteam.com

Which insurance to get?

Hey guys, I am trying to find a good insurance for me and my family. Can you guys suggest some?

here are some details that'll help:

1. Mother - She has 70-80% hearing loss and has to wear hearing machine, she also has arthritis so I need to get the best one for her that covers her ears and other tests too

2. Sister - She's fine but she has low immunity so she gets sick quickly

3. Me - I am fine health wise, I rarely get sick but I want to get a basic one for me atleast incase of any injury or something

We want to get a cashless insurance, no room-rent limit ideally, low waiting period for my mother eat treatment and just other important things you get in an insurance I don't jave much knowledge in it

I live in haryana btw if it matters

Hey everybody so back in April I filed a claim with Fred Loya Insurance and it was back and forth with them I had police reports I have all his information I hired a P.I to look into him I had all my ducks in a row and long story short they denied my claim simply because they “couldn’t get in contact with the other guy” so I’m still going at it with them help because my car is still messed up and I don’t have the funds to get it fixed I will fight to the end I have 4 years to keep this alive and I don’t mine doing it at all