Hello Friends,
I am writing this with my personal experience with Health insurance in India.
I am using Religare health Insurance from last 3 years. I pay nearly 11000 INR every year for me and my spouse(Two person). Before taking it I had gone through many others but somehow they were not looking good.
In my Insurance as usual like others they give 60 Days pre-hospitalization expenses and 60 Days post- Hospitalization expenses. Days may vary with other Insurance companies.
it covers only if I admitted for minimum 24 HRS which is normal. and it covers 10LPA of accidental insurance from the day you will take the insurance.
The hospital expenses if you are admitting within 30 Days after taking the policy then it won’t be free as you have to pay from your pocket and later you can claim the same, because all the health insurances will cover your health only after a month of taking the policy except accidental situation which they will cover immediately.
in my policy there are 100’s of day care surgeries are included which is free like Knee surgery, Eye, any Neck or any other major or minor Day care surgeries. even few cancer related surgeries are added to it from 2020 which is really good with no extra charges.
My policy gives me every day INR 1000 till I am admitting in hospital. For example if I get admitted for 15 Days I get 15000 INR in my account directly for which the the agent will take care.
My policy covers 5LPA+5LPA(for two persons) for unlimited recharge which means if I use the conplete 5LPA in one time in a year and get admitted again the again 5LPA will be added to my wallet and the charges will be free. My spouse is not included as she has the same separately.
It has one yearly health checkup for me and my spouse. Personally I feel this policy is good. it is tax benefit as well.
I recommend this policy above any other policy in the market with respect to the money and services they are offering.
Thank you
Have a nice day