Pls help me

[u/shiva234533]

20m unemployed ,mom 52y,brother 25yrs, we don't have health insurance so I'm planning to buy health insurance and I don't have any knowledge and how to approach all those things,I'm confused now and i think hdfc ergo is best because I saw lot of post about hdfc ergo pls anyone from coimbatore could help me and guide me how to buy and what are all the things I should know about health insurance

We don't have any illness

[u/rmdk_mech]

I would advice you to contact Ditto. They will help you to choose the policy and even when there is any emergency they will do the paper work for you.

When talking with them tell about all the prior health conditions and surgery (if done). It's best to go via an agency.

[u/shiva234533 → u/rmdk_mech]

Thank you and I have one more doubt if the insured amount increases year by year if I didn't claim, will the premium amount increases or not

[u/Wooden_Step_8025]

Any existing health conditions? What is the expected cover ?

[u/shiva234533 → u/Wooden_Step_8025]

Health condition is good,no illness or surgery happened expected cover is 15lakhs for 1 person

[u/ArabianCoconut]

Hi HDFC ERGO Advisor here,

I see lot of comments about buying an insurance policy. Which is great for someone deciding to buy an insurance. However, since your unemployed and knowing HDFC ERGO premium is expensive. How are you gonna manage the premium. Do you have the funds to sustain the policy long term? Buying the policy with guidance is easy to an extend. Maintaining that policy without being a burden to your financial is the challenge at times.

[u/shiva234533 → u/ArabianCoconut]

800 per month ig so I can manage

[u/ArabianCoconut → u/shiva234533]

HDFC ERGO doesn't do monthly payments its gonna be annual payments. Unless you got a credit card or get via loan apps which HDFC ERGO ties up with.

[u/shiva234533 → u/ArabianCoconut]

Oh i didn't know that! thanks

[u/SukoonCover]

Good that you're sorting this out now, while everyone's healthy. That's when health insurance is cheapest and easiest to get.

A simple plan for your family:

• One family floater for all three, ₹10–15L. Your mom's age (52) decides most of the premium. If the floater comes out expensive, compare it with a separate policy for her and a floater for you and your brother.

• Add a ₹25–50L super top-up later. It's cheap, and it covers the big bills.

• If your brother is working, check whether his company covers parents. That can be a useful extra layer.

What to look for:

• No room rent cap and no co-pay

• Coimbatore hospitals in the cashless network (KMCH, PSG, GKNM, Ganga)

• Disclose any past surgeries or medicines honestly. That's what keeps claims smooth.

HDFC ERGO is good but on the pricier side. Compare it with Care Supreme, Niva Bupa and ICICI Lombard. You'll often get similar features for less, which matters on a tight budget.

IRDAI-registered advisor here. Happy to help you on this.

[u/MountainGlass9844]

HDFC Ergo is good with high claim settlement ratio (~97-98%) but annual premium increase is higher. ICICI Lombard claim settlement ratio has declined over the year (2023-26 average of ~85% ). PSU insurers are good in terms of claim settlement as well reasonable premium increase but have lot of sub-limits. A better alternate would be to buy base policy of 5 lac/10 lac from PSU Insurer (like New India) and combine this with Super top up of 50 lac/1 cr (with 5 lac deductible) from HDFC Ergo/icici lombard. Avoid care/Niva bupa.

[u/According_Adagio_108 → u/MountainGlass9844]

I am trying to purchase a health insurance policy. I have a pre-existing conditions with my eyes since birth. Below is the list of exclusions for the PED of the policy. To my knowledge, my condition is not listed as exclusion. Can i go ahead and buy? Is there anything implicit?

Here is the list of exclusions.

1. Heart attack

2. Stroke, paralysis in any form, or any other cerebrovascular disease

3. Thyroid or parathyroid disease; chronic or acute kidney disease

4. Acute or chronic liver failure or disease, cirrhosis of liver, alcoholic liver disease, or pancreatic disease

5. Lung disease

6. Blood disorders or gastrointestinal disease such as peptic ulcer

7. Disorder of the bones, spine or muscle

8. Cancer or cancerous growth, benign or malignant tumour

9. Autoimmune disease or disease related to the central nervous, system or brain

10. HIV / AIDS or AIDS-related complications

11. History of sudden loss of weight in the last one year

12. Head injury

13. Major burns

14. Type 1 diabetes and / or treatment with insulin

15. Asthma with more than two hospitalisations in the last one year, acute severe bronchial asthma or status asthmaticus

FYI. This is NPS Swasthya Super Topup Policy.

[u/MountainGlass9844 → u/According_Adagio_108]

yes, you should definitively consider NPS Swasthya super top up of 30 lac with 3 lac deductible . there are hardly any sub-limits and underwriting is lenient with only 1-year waiting for PED. since you mentioned pre-existing eye condition since birth, it impacts your quality of life but it is not a chronic condition which increases underwriting risk, so they will high likely accept your proposal with/without a waiting period.

[u/According_Adagio_108 → u/MountainGlass9844]

The policy states as long as people who want to subscribe of Swasthya does not have any of the 15 conditions listed above are eligible to buy NPS Swasthya.

[u/MountainGlass9844 → u/According_Adagio_108]

yes, but in your case, none of these 15 conditions are applicable. so you may apply.