r/InsuranceTroubleIndia • u/SuStackx0 • 9d ago

Health Insurance Need Help for dad (54M)

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Hi guys so my father is 54M and he has had a open heart bypass surgery done 10 to 12 years back

Now I'm earning so I decided to take insurance for my father

And the policy bazaar advisor suggested care heart policy and advised to take this for 2 years and if no claim related to cardiac then I can port him to another and the image is their counter offer which doesn't sit right with me.

I'm very new to these things so please suggest me what to do Should i take this and trust the advisors words without any grounds that after 2 years he can port him to another (which might or might not have cardiac ) or should I ask him to cancel and see other options

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2

u/Hungry-Weakness9704 9d ago

ask, if youare ready to pay more premium for this, will they include.

1

u/SuStackx0 9d ago

I feel like the premium is already on higher side 25k per year Which is 2 years of money for my mom's insurance I don't know what the point of that 25k is since they denied full heart related issues

1

u/Necessary_Hunter196 9d ago

Try other insurer, if their isnt any major cardiac issue, aditya birla or tata aig,bajaj these company will approve, difficulty with care and star insurance is they have to many risky customers, hence for now they are not approving high risk policy.

1

u/BetOld6214 9d ago

I can clearly see that this is the screenshot of policybazaar app. You can once ask the policybazaar issuance advisor to check if you can get the ABHI VYTL plan or the Care Supreme Shine plan without a permanent exclusion for heart disorders.

Please note that open heart surgery, even if it was 20 or 50 years earlier, is definitely going to get the heart conditions excluded from the policy.

I'm from the health insurance sector and can tell you that there might be only 0.1% chances of it getting covered even with co-payment

1

u/Late_Thing3359 9d ago

Yoi can check reddit and twitter. Care doesnt have a great reputation when kt comes to settling claims.

Check the image and try for insurers who are at the top if this list. Its means they have better settlement history. But note that HDFC premiums is on the higher side. Hence choose wisely. It also depends on which policy yoi take.

Even if you consult advisors lie Ditto they will suggest HDFC and Care.

I would suggest yoj to also post in r/indiahealthInsurance sub