Ask an Expert - Your Personal Insurance Advisor

As long as the policy is inforced with all existing benefits,  there would be no concerns regarding claim

 All claims would be admitted.  Hope this clarifies. 

 Health Insurance is technical lyrics not mandatory for anyone.  However,  it is always a good idea to opt for a health insurance plan early in your life so that 

1.Premium is low

2.Waiting Period is over early so that whenever you need tge coverage for say Maternity,  etc. It is available to you.

If a customer buys Apollo Easy Health Individual Policy and adds another family member then the company gives a discount on the basic premium. (This is not the same as Family Floater Easy Health Policy)



This calculation is not shown in the premium calculator on our website. You can see this directly... Read More>>

It has been declared in January, 2013 that Health Insurance was supposed to become more expensive since the overall claim ratio in the entire industry is quite large.

Read Health Insurance to become more expensive

This could primarily be the cause of rise of premium. However, you could connect with... Read More>>

It totally depends on your requirement whether you need a health plan from a General Insurance Company or from a Life Insurance Company.

Family Floater Plans for Self and Spouse:

1. Apollo Munich Optima Restore Health Insurance Plan- In this Plan, the Sum Assured gets restored after the same is... Read More>>

There are no basic differenced between the Public Sector Health Insurance Companies and Private Health Insurance Companies since both are regualted by the Insurance Regulatory and Development Authority. 

You must choose a plan according to your needs irrespective of the fact of which insurance... Read More>>

There are some good health insurance plans in the market. You are right that you and your family should be covered irrespective of your company-provided policy. Some of the plans you should look at are -



Apollo Munich Optima Restore

Max Bupa Heartbeat

Tata AIG Med Prime



You should take a family plan... Read More>>

Dear Renu,

Your question was that Because of the new Standardization in health insurance does it mean

(1) All policies will be renewable for lifetime? and would this also apply to all policies retrospectively. My ICICI policy cant be renewed after 70yrs.

Ans: No, it does not mean that this condition... Read More>>

Dear Sunil,

You cannot claim the same amount from both the places as in the first claim, you would have to submit all your original papers for submitting the claim. If the insurance company allows you to submit photocopies of the original bills as supporting documents for the claim, then you can... Read More>>

To be able to get the maximum benefits from your health plan, you must read the blog 

Missing out on Maximising Health Benefits

You need to know your requirements first and then take a plan. Things to surely keep in mind are:

1. Pre-existing diseases

2. Waiting Period

3. Network of hospitals for cashless... Read More>>