Sachin200 Posted January 11, 2020 Report Share Posted January 11, 2020 On 1/5/2020 at 5:51 AM, dasari4kntr said: 10L Medical tests emana chesara bro? Quote Link to comment Share on other sites More sharing options...
Kool_SRG Posted January 11, 2020 Report Share Posted January 11, 2020 3 minutes ago, Sachin200 said: Medical tests emana chesara bro? Star Health Red carpet ki not needed you need to declare pre existing diseases and they will be covered after 1st year.. But its Co-Pay Policy. Quote Link to comment Share on other sites More sharing options...
aakathaai789 Posted January 11, 2020 Report Share Posted January 11, 2020 Just now, Kool_SRG said: Star Health Red carpet ki not needed you need to declare pre existing diseases and they will be covered after 1st year.. But its Co-Pay Policy. ee pre existing disease ki manipal cigna vaallu oka plan ki 48 months inko plan ki 36 months ila options unnaai monne maa office ki vachi demo ichaaru annaai ee health insurance gurinchi star vaallu kooda vachaaru Quote Link to comment Share on other sites More sharing options...
Kool_SRG Posted January 11, 2020 Report Share Posted January 11, 2020 3 minutes ago, aakathaai789 said: ee pre existing disease ki manipal cigna vaallu oka plan ki 48 months inko plan ki 36 months ila options unnaai monne maa office ki vachi demo ichaaru annaai ee health insurance gurinchi star vaallu kooda vachaaru 48 months & 36 months waiting period is pretty much common in all companies. Star Red Carpet is more suited for 65 Yrs Plus Senior citizens where in options are minimum. Religare vaalladhi kuda undi for Senior citizens with Co-Pay but daaniki 24 months waiting anukunta for pre existing. Quote Link to comment Share on other sites More sharing options...
kevinUsa Posted January 11, 2020 Report Share Posted January 11, 2020 43 minutes ago, Kool_SRG said: Your's is Optima Restore anukunta ga... Yes ade Quote Link to comment Share on other sites More sharing options...
kevinUsa Posted January 11, 2020 Report Share Posted January 11, 2020 19 minutes ago, Kool_SRG said: Star Health Red carpet ki not needed you need to declare pre existing diseases and they will be covered after 1st year.. But its Co-Pay Policy. Co pay enta untadi Quote Link to comment Share on other sites More sharing options...
dasari4kntr Posted January 11, 2020 Author Report Share Posted January 11, 2020 47 minutes ago, Kool_SRG said: Dasari already took Star Health plan... Vaalla parents age ki options takkuva untaayi. @Kool_SRG @jalsa01 @kevinUsa need help... my fathers helath insurace plan went well...but my mother's having some problem... during the Star verification call...my mother told..she had some recent issues with BP..so they are saying it is pre-existing condition..and asking 50% more premium and they dont cover any BP related for first 2 years... i cant decide should i continue the star for my mother or should i go for new? Quote Link to comment Share on other sites More sharing options...
dasari4kntr Posted January 11, 2020 Author Report Share Posted January 11, 2020 1 hour ago, Kool_SRG said: You took combined or individual 10 L.. i took inidividual... Father 67 senior citizen policy mother 62 comprehensive policy 1 Quote Link to comment Share on other sites More sharing options...
Kool_SRG Posted January 11, 2020 Report Share Posted January 11, 2020 6 minutes ago, kevinUsa said: Co pay enta untadi 70-30... Means Hospital bill 1 lakh ayithe manam 30 K paying insurance company will fund 70K.. Quote Link to comment Share on other sites More sharing options...
dasari4kntr Posted January 11, 2020 Author Report Share Posted January 11, 2020 32 minutes ago, Sachin200 said: Medical tests emana chesara bro? 2 minutes ago, dasari4kntr said: @Kool_SRG @jalsa01 @kevinUsa need help... my fathers helath insurace plan went well...but my mother's having some problem... during the Start verification call...my mother told..she had some recent issues with BP..so they are saying it is pre-existing condition..and asking 50% more premium and they dont cover any BP related for first 2 years... i cant decide should i continue the star for my mother or should i go for new? for my father no medical tests..everything went well...he got received all papers from STAR but for my mother...during verification call..she mentioned few additional details abuout her blood pressure..so they are saying its pre-existing condition...talks are going on... just looking alternate for my mother alone...just incase Quote Link to comment Share on other sites More sharing options...
Kool_SRG Posted January 11, 2020 Report Share Posted January 11, 2020 2 minutes ago, dasari4kntr said: @Kool_SRG @jalsa01 @kevinUsa need help... my fathers helath insurace plan went well...but my mother's having some problem... during the Start verification call...my mother told..she had some recent issues with BP..so they are saying it is pre-existing condition..and asking 50% more premium and they dont cover any BP related for first 2 years... i cant decide should i continue the star for my mother or should i go for new? If you aren't sure you can drop proposal bro since first 15 days freelook period untaadi even if policy is issued and can look for new one altogether.. Yes Pre existing unte they will cover after 2 yrs waiting period and there could be difference in premium. Quote Link to comment Share on other sites More sharing options...
Kool_SRG Posted January 11, 2020 Report Share Posted January 11, 2020 @dasari4kntr Free-Look Period You have bought a new insurance policy and received the policy document and find that the terms and conditions are not what you wanted. What do you do? Grin and bear it? Not at all. IRDA has built into its regulations a consumer-friendly provision that takes care this problem. If you have bought a policy and realise you don’t want it you can return it and get a refund. There are conditions though. This applies only to Life insurance policies and To Health insurance policy that are for a term of at least 3 years You can exercise this option within 15 days of receiving the policy document You have to communicate to the company in writing The premium refund will be adjusted for proportionate risk premium for the period on cover expenses incurred by the insurer on medical examination and stamp duty charges 1 Quote Link to comment Share on other sites More sharing options...
dasari4kntr Posted January 11, 2020 Author Report Share Posted January 11, 2020 3 minutes ago, Kool_SRG said: If you aren't sure you can drop proposal bro since first 15 days freelook period untaadi even if policy is issued and can look for new one altogether.. Yes Pre existing unte they will cover after 2 yrs waiting period and there could be difference in premium. yup..i am not worried about money..but my worry is ..even though after we mention per-existing condition..they are not covering for 2 years... all the policies are same with pre-existing? Quote Link to comment Share on other sites More sharing options...
Kool_SRG Posted January 11, 2020 Report Share Posted January 11, 2020 2 minutes ago, dasari4kntr said: yup..i am not worried about money..but my worry is ..even though after we mention per-existing condition..they are not covering for 2 years... all the policies are same with pre-existing? Yes Comprehensive ante pre-existing ki waiting period untaadi pretty much same for all companies but waiting period could vary.. Earlier it used be 4 yrs now some have reduced to 3 yrs and some 2 yrs. Quote Link to comment Share on other sites More sharing options...
dasari4kntr Posted January 11, 2020 Author Report Share Posted January 11, 2020 2 minutes ago, Kool_SRG said: Yes Comprehensive ante pre-existing ki waiting period untaadi pretty much same for all companies but waiting period could vary.. Earlier it used be 4 yrs now some have reduced to 3 yrs and some 2 yrs. ok..most probably i will continue with STAR for my mother... Quote Link to comment Share on other sites More sharing options...
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