My age is 30 years and spouse age is 21. which is the best Health insurance policy?

I want minimum 3 lacs sum assured. I have option of Tata AIG (Hospital sickness Policy), Star Health Insurance’s family floater, Max bupa’s Family Floater or government company’s policies.

3 Replies to “My age is 30 years and spouse age is 21. which is the best Health insurance policy?”

  1. LACs? Bupa’s?

    If you want an extensive health insurance policy, you’ll want one that provides medical coverage for a female who may become pregnant. Those policies are more expensive than the Hospital sickness policies.

  2. There’s no health insurance policy which can be called as best. There are distinctive policy features which one needs to understand. You have to understand the waiting periods and other exclusions of the policy and buy which suit your requirements. Many policy has various sub limits like on room rent, doctors’ expenses etc. like for e.g star health has capping on room rent , they don’t even cover the complete post hospitalisation expenses which is generally covered for 60 days after hospitalisation. Max bupa and apollo munich has good policy features.
    So the whole idea is buy after understanding the features and matching those with your requirements

  3. Go with one of the PSUs like The New India Assurance Co .

    Service might not be the best. Claim settlements are better in the long run.

    Please increase your cover gradually to at least 5 lakhs ( each) before you reach age 40.

    I have retired and learned from my experience.

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