Ask an Expert - Your Personal Insurance Advisor

There are some very good plans for senior citizen that has been exclusively designed for older people and it makes it even more important that you should be aware of the same and avail it at the earliest so that the full benefit can be received after the respective waiting periods are over.



National... Read More>>

Hi,



If your needs a health insurance policy, then there are quite a few options that he can choose from.



He may choose:



1. Max Bupa Heartbeat Health Insurance Plan- this can be taken by everyone from birth to death. In fact, if he wishes to add more family members, then he can do so as well. If he is... Read More>>

Dear Simran,



Since you are looking for a Health Insurance Plan of Rs 10Lacs for your 48 year old mother, you can consider



Apollo Munich Easy Health Insurance Policy

Bajaj Allianz Individual Health Guard

Max Bupa Heart Beat Health Insurance Policy



Please ensure you fill up the form yourself and declare... Read More>>

First buy a pure term insurance policy. Recently, life insurance companies have launched their online term insurance plans which are priced very attractively. Some of the options available to you are -

HDFC Click 2 Protect

Aviva iLife

ICICI Pru iCare



If your parents do not have a health insurance policy... Read More>>

Dear Neeta C Rao,



There i actually no difference whether you purchase a mediclaim policy independantly or through your credit card or bank as long as you understand the plan and then purchase the same. There are some policies which are exclusively sold though Credit Cards or Banks which are not... Read More>>

Dear Ranga Narayanan,



It depends entirely on the terms and conditions of the Health Insurance Policy. However, most policies do not cover the charges for consultation.



However, if you could mention the name of the Insurance Company and the policy name, then we might be able to provide you with... Read More>>

Dear K T Thomas Kalapurayil,



There are many Health Insurance Policies that you can choose. The premium would depend on various factors including the sum assured that you select, your age, location, occupation, family background, etc. 



Some good and economical Health Insurance Policies would be:



Read More>>

Dear Yogesh,



For your 8 months old son, you can opt for Max Bupa Heartbeat Individual Plan as it covers each and every individual from birth till death. is a comprehensive health insurance policy which will reimburse the cost of medical treatment done by a person for any injury, illness or accident.... Read More>>

Dear Dhara,



There are many Health Insurance Policies that can be purchased online. Companies like Apollo Munich Health Insurance, ICICI Lombard, Star Health Insurance, etc. offer a number of their policies that can be purchased online.



Even, if you have purchased a plan through an agent, then also the... Read More>>

Dear Siddayya,

At the time of renewal of your Health Insurance Plan, if you have not claimed any amount you are eligible for a No Claim Bonus, which can be in terms of enhancement of Sum Assured or reduction of premium.

However, if you have claimed i  the previous year, you are not eligible for No... Read More>>