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ApolloMunichOptimaRestoreitsdifferent!
byHemantBeniwal
inInsurancePlanning
LastUpdatedOn:17/01/2012

Top10 Medical Insurance


Get a Quote in less than 1 mins. Find the Right Policy & Save Future

ApolloMunichOptimaRestoreisdifferentfromotherhealthinsuranceplansduetoitsrestore&multiplierbenefits.ApolloMunichHealthInsuranceisa
pioneerinIndianhealthinsurancemarket&theiroptimarestoreplanwillagainbeanewmilestone.PrimaFacieitseemstobeanewinventioninIndian
healthinsuranceindustrywiththetypeofbenefitsavailableinthisproduct.Although,thecompanyhasbeenrunningEasyHealthsuccessfully,thisproduct
makesanattractivepropositionformeetingtheneedofhealthinsuranceforIndianconsumers.
LetslookattheApolloMunichOptimaRestoreindetailarticlecoversitsfeatures,whatisrestorebenefit,multiplierbenefits,itslimitation,comparison
withotherhealthinsuranceplans,premium&mostimportantshouldyoubuyApolloMunichOptimaRestore.

ApolloMunichOptimaRestoreUniqueFeatures
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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AlthoughtheproducthasfeaturessimilartoastandardvariantofApolloMunichEasyHealthPlan,thecompanyhasintroducedsomeuniqueoneswhich
makesitanattractivepropositionforthebuyer.YoucantakebenifitofHealthInsurancePortability.

RestoreBenefitinApolloMunichOptimaRestore
Underrestorebenefitthecompanyclaimstoreinstatethebasicsumassuredincaseitisexhaustedinapolicyyear.Whatthismeansisthatifsomeonehasa
Optima Restore policy of Rs 5 lakh and exhaust the entire amount during hospitalization for some illness, individually or in a floater, the company will
restoreRs5lakhwhichyoucanuseforsomeotherillnessesorforothermemberscoveredintheplaninfamilyfloater.Theoptionworksverywellfor
familyfloaterplansasthereishighprobabilityofexhaustingtheinsurancecoverage.

MultiplierBenefitinApolloOptimaRestore
Inallhealthinsurancepolicies,theinsurancecompaniesgiveNoClaimBenefit(NCB)byincreasingtheSumInsuredorgivingbenefitinthepremium.Even
inApolloMunichOptimaRestoreyouhaveNCBbenefits.However,thebenefitdiffersfromotherpolicies.ForfirstclaimfreeyeartheNCBis50%andif
thesecondyearalsogoesclaimfree,thecompanydoublestheBasicSumAssured(SA)i.e.100%NCB.SointhirdyearyourSAisdoubleofwhatyouhave
appliedinitially.ARs4lakhcoverwillincreasetoRs8lakhinthirdyearifthereisnoclaimintwoyears.
Boththesefeaturesareuniqueintherespectthatitismultiplyingyourcoveragewithinsamepremium.Themajorbenefitwhichwillappealtoallconsumers,
especiallyinfamilyfloaters,istherestoringofSAincaseBasicSAisexhausted.Also,likeotherApolloproducts,thisonehasnoloadingsifanyclaimarises
whichhaskeptthepremiumconstantforsameagegroup.Thisisagoodadvantageforsomeonewhoisnotmaintainingbestofhealth.(Read:LICJeevan
Arogya)

SomeLimitationstoConsiderinOptimaRestoreHealthPlan
TherestorebenefitsstartsonlywhentheBasicSAalongwithbonusisutilizedcompletely.
Therestorebenefitcannotbeclaimedonthedisease/illnessforwhichtheclaimhasalreadybeenmadeinthepolicyyear.
Therestorebenefitisapplicableonlyonceduringapolicyyear.
Iftherestoresumisnotutilizedinapolicyyear,itisnotcarriedforward.
Ifaclaimismadeafterthebonushasappliedtheninthefollowingpolicyyearthemultiplierbonusisdecreasedby50%ofbasicSA.

OtherFeaturesoftheApolloMunichOptimaRestore
ThereareotherfeaturessomeofwhichhavebeenenhancedfromEasyHealthStandardvariantandwillbelikedbymostpolicybuyers:
1. Pre&Posthospitalizationbenefitsareavailablefor60&180dayswhichisveryexhaustive.
2. Fortwoyearspremiumpaymentatoneinstant,additional7.5%discountisofferedonthepremium.
3. Noloadingisthereonrenewalpremiums.
4. Renewalsareforlifetime.
5. Youcaneasilyupgradethehealthcovertonextlevelatrenewals.
6. You can cover your parents too through this policy which will be beneficial since there is hardly any health insurance scheme which gives such
benefitsathigherage.
7. Youcancoveryourchildsinceminimumagerequiredis91days.
AreyougettingadvicefromSEBIRegistered

InvestmentAdviser?

WhatsnotcoveredinApolloMunichRestoreHealth?
Therearecertainexclusionswhichonehastoconsiderbeforeapplyingforthisproduct
Pregnancyisnotcoveredatall.Soifyouplantohaveachildinfutureyouwillnotbeabletoclaimanyexpensesinthisproduct.
Preexistingdiseasecoveredafterthreeyearswaitingperiod.
Dentaltreatmentisnotcoveredunderthisproduct.
Specificdiseaseslikecataract,herniahas2yearswaitingperiod.
RestsoftheexclusionsaresimilartoEasyHealthproductfromApolloMunich.
Theexclusionisveryimportantcriterionforjudgingaproductbasedonyourspecificrequirement.Fore.g.someonewhoisnewlymarriedwillfindthis
productdisadvantageousasitdoesnotcovermaternityexpense.Hencelookattheexclusionindetailwhichisavailableinpolicywordingsoftheproduct.

ApolloMunichOptimaRestoreComparison

http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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HowApolloMunichOptimaRestoreFairs
FeaturesofOptimaRestore
Overall,ApolloMunichOptimaRestorehascomeoutwithauniqueconceptintheirhealthinsuranceproduct.Barringsomespecificrequirement,itgives
majorbenefitstothepolicyholdersespeciallyinfamilyfloaterplanswheretakingahighSAforentiremembersisnotfeasibleduetopremiumconstraints.
ThebestfeatureisthattherestorefeatureofSIandNCBmultiplierworktogether.E.g.IndividualorfamilyfloaterofRs3lakhSIwillincrease
toRs6lakhSIinacoupleofyearswithnoclaim.Ifforsomereason,Rs6lakhSIisexhaustedinthepolicyyear,theproductwillgiveadditional
Rs3lakh(baseSI)coveragefornewillnesses.ItmeansyoucanbecoveredforRs9lakhduringthatpolicyyearbypayingpremiumofRs3lakh
SI.Moneylife
PremiumofOptimaRestore
ThepremiumsinApolloMunichOptimaRestoreareslightlyhighercomparedtostandardvariantoftheirEasyHealthPlan.Buttheuniquefeaturejustifies
theincrease.Ascomparedtoothercompanies,ApolloMunichhasmaintainedacompetitiveedgeonpremiumrates.Example:FamilySize2Adults(age35
years)+1Child(age5years)SumAssured3Lakh(floater)
ApolloMunichEasyHealthRs6370
ApolloMunichOptimaRestoreRs8281
PremiuminOptimaRestoreishigherby30%incomparisontoEasyHealth.

ShouldYouBuyApolloMunichOptimaRestore?
Therestore&multiplierbenefitsareuniquewhenyoulookatthesimilarproductsavailableintheindustry.Effectivelytheproductcoversyoumorethan
doublethesumassuredifNCBalso adds up.Eventhe Noclaim bonus variesfrom550% acrosshealth productsbutherethe increase really multiplies.
Apartfromthisthereareotherfeatureswhichhavebeenenhancedtoo.Barringsomeexclusionswhichmaynotfulfillsomeofthespecificrequirementsit
lookslikeagoodoptionforhealthinsurerseekers.
ReviewofApolloMunichOptimaRestoreisdonebyJitendraPSSolanki,CERTIFIEDFINANCIALPLANNERCM
IfyouhaveanyquestionsrelatedtoHealthInsurancefeelfreetoask.
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{383commentsaddone}

HemantBeniwalJanuary17,2012,3:29PM
HiJitendra,
Thanksforsharingsuchadetailedanalysisofthispolicy.Youhavedoneawonderfuljobbysimplifingacomplexproduct.
IwillappreciateifyoucananswerqueriesofTFLreaders.
ReplyLink

JitendraSolankiJanuary18,2012,9:46AM
ThanksHemant.
Italwayshasbeenmyobjectivetocreateawarenessamongmasseswhichcanhelptheminmakingtheirfinancialdecisions.
Willsurelyanswerqueriesofreaders.
ReplyLink

bharatkumarJanuary17,2012,6:54PM
Hi,
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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PleasegiveyouropiniononRelianceHealthwisepolicy(silverplan).Pleaseconsiderthepolicyexclusionsalso.PleasecompareApolloMunichand
RelianceHealthwisepolicy.
ReplyLink

JitendraSolankiJanuary18,2012,10:01AM
DearBharat,
ReliancehealthwiseisamediclaimpolicywhichcoverhospitalizationexpenseslikeApolloMunichEasyHealthplans.LikeApolloMunich,it
toohasthreevariantswithsomeadditionalfeaturesprovidedateachlevel.
ApolloMunichhasmaintainedverycompetitiveratesinthepastandhasbeenongoodservicestandardsincetheirentryinthehealthinsurance
market.Alsoexperienceofhospitalindustryisoneoftheiradvantageinrollingoutsuchproducts.OnotherhandReliancehasbeenbeatendown
bytheirstrategyofgivinghealthinsuranceataverycheapratesandthenincreasingitduetolosses.
SinceApolloMunichisentirelyintohealthinsuranceIexpectittomaintainitscompetitiveedge.
ReplyLink

SamantaSeptember14,2012,10:46AM
DearSir,
HealthPolicyofRelianceGeneralhasaverybadreputationinthemarket.IthasbeenseenthatthepremiumoftherelianceGold/Silverplanhas
increasedeven500%after3rdrenewalwithoutanyclaimoranypreornotification.
DearHemant,
Iaminterestedtokonwhowtheyhavejustifiedtotheclientsthehugeincrementofthepremium?IsitapprovedfromIRDA?
ReplyLink

sameershahJanuary17,2012,10:29PM
Hi,
ThanksforsuchadetailedanalysismyqueryisIama31yrolddoctorrecentlymarried,livingwithmyparentsandhuntingforanidealhealth
insurance.ShouldioptforaFamilyfloateroranindividualhealthplan??
ShouldigoforaCriticalillnesspolicyasifeelwiththehealthcareexpensesgoingupdaybyday,onlyahealthinsurancemaynotbeenough??
Iwouldreallyappreciateyourvaluableinputs&alsoanysuggestionsonanyspecificcompanyyourecomend.Thanksalot
.&Hemant,youaredoingagreatjobforpplelikeusthanksamillion&keepupthegoodwork..
ReplyLink

JitendraSolankiJanuary18,2012,10:13AM
DearSameer,
Individualpoliciesarealwaysadvisableasitcoversyouforahigheramount.Theonlyconcernisthepremiumratesandbecauseofthatweopt
forfamilyfloater.However,youcanworkoutbyhavingcombinationofanindividualandafamilyfloater.Fore.g.ifyouhaveachild,youcan
buyanindividualforyourselfandcoveryourspouseandchildinaFamilyFloaterplan.Throughthis,bypayingsomeextrapremium,youwill
beabletocoveryourfamilyforahigheramount.
Althoughcriticalillnesspoliciesareadvisableathigheragebutthenpremiumisalsohigh.Inhealthinsurancepoliciesitisgivenasriderand
renewableevenifyouclaimforit,withsomeconditions.However,infamilyfloaterplanstheriderhastobeoneachfamilymember.Thusif
therearethreemembersthenyouwillhavetotakeCIrideronallthree.Hence,assuggestedabove,takingdifferentpoliciesforyouandrestof
familywillservethepurposeasyouwillbeabletoaddaCIriderinyourpolicy.
YoucanselectfromApolloMunichorMaxBhupaformeetingyourspecificrequirements.
Ihopethisansweryourqueries.
ReplyLink

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anilkumarkoulJanuary18,2012,1:19PM
Dearjitender,iwouldliketoapperciateyoureffordsthroughsuchexercisesindeedappolohascomeoutwithinnovativeproduct&featuresbutin
somecasesihaveobservedthatMAXBUPAscoresmoreinfamilyfirstwithbettercoverage&competativerates.letmeillustratemycase.iam50
withwife&1kidaged13.
thepremiumineasyhealthofappolloworksout34993for10lakhs+S.T,&inoptimaitis25927for10lakhswhereasihadpaidapp.26000including
servicetaxinfamilyfirstofMAXBUPAforindiualS.Aof5lakhs&15lakhsfloaterS.A.,preciselymeanseffectiveS.AOF20lakhstoanymember.
howeverihavetokeepprovisionof20%copaymentafter65inmaxbutthenihadpreferreditto10lakhsofeasyhealth.
alsoihaveobservedthatforyoungerpeopleup50to55maxbupafamilyfirstisbetter&forpeopleofhigheragegroupapolloscoresmoresinceno
copaymentisapplicableinappollohoweverineedtoanalyizeoptimav/sfamilyfirstforindepthanalysissinceithadbeenlaunchedon19thdec11
only.
iwouldliketoapperciateyou&hemantforeffordsthroughfinancialliteratesfor
benifitofmasses.
ReplyLink

JitendraSolankiJanuary18,2012,2:29PM
ThanksMr.Anil.
Thepremiumratesforallhealthinsurancecompaniesvaryacrossdifferentagegroups.Therecanbeinstanceswhereonecompanyrateischeaperat
youngeragewhilemoreathigherage.However,theratesareinallignwiththeirexperienceandanalysisonvariousparameters.
Theproducthastobeselectedbasedononesspecificrequirements.MaxBhupamaybegoodatyoungerageconsideringsomeofthefeaturesbutmay
notfindfavourifpremiumishigh.OnotherhandApolloorsomeothercompanyonewillpreferifitmeetshis/herrequirementsandwithinhisbudget
constraints.
Thusonehastolookbenefitsindetailbeforemakinganydecisionandicanseeyoumadeyoursafteragoodanalysisofyourrequirements.
ReplyLink

KannanJanuary18,2012,4:54PM
HiJitendra,
Nicearticle!HowdoesApolloMunichscoreinclaimsettlementratioandcustomercarew.r.titspeer?
Kannan
ReplyLink

JitendraSolankiJanuary18,2012,9:25PM
DearKannan,
ApolloMunichisgoodinboththeaspectsandhavebeenveryproactiveinlaunchingservicesforbenefitsofitscustomers.
ReplyLink

SRaoJanuary18,2012,5:38PM
HiJitender,
Averytimelyarticle.IhaveaqueryforwhichIhopeyouwillprovidereplyto.
IhaveHDFCErgofamilyfloaterplanwhichIhaveforthelasttwoyearsandIampayingRs.8300(me+wife+1kid)andIam35yearsoldnow,by
MarchIwouldbe36andtheyhaveincreasedmypremiumamounttoRs.10150.Thispolicycoversfor3,00,000withaccidentalcoveraswellas
educationcoverforkids(5,00,000)oninsurersdeathwithupperlimitNCBofRs.30,000.IhavenotclaimedanythingtillnowandNCBisalso
exhausted.Now,Iwouldliketomakeuseofthehealthportabilityact(becauseofthehigherpremium)andswitchtoanyothercompany.Iwastillnow
thinkingongovernmentinsurancecompanieslikeOriental,United,etc.KindlyadvisemewhetherIshouldgofortheoneofthegovernment
companiesorApolloMunichRestoreorstaywiththesameHDFCErgo.
IhopeIhaveprovidedyouwithallthedetailsnecessarytoanswermyquery.
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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Thankyouverymuchforthearticleandforyourreplyinadvance.
ReplyLink

JitendraSolankiJanuary19,2012,10:17AM
DearMr.Rao,
Firstly,itsverydifficulttomeetsomanydifferentneedswithasingleproduct.Healthinsuranceemergencies,childrensplanningaredifferent
goalswhichshouldbeplannedaccordingly.Anyproductwhichwillprovidesomanycombinationswillbeslightlycostlier.
HealthInsuranceisboughtformeetingmedicalemergenciesinthefuture.Theproductshouldbeselectedbasedoncertainparameterslike
hospitalnetwork,costinyourpreferredhospitals,sublimits&exclusions.Premiumconsiderationshouldbetherebutdonotmakeittheonly
criteria.
ApolloMunichOptimaRestorehassomegoodfeatureswhichenhancesyourSA,especiallyinfloater.Thepremiummaybehigherthenyour
existingplan.
However,donotethatinportabilitythedecisionrestwiththecompany.Education&accidentalcoverwillnotbethereasApolloMunichdonot
havethesefeatures.Restyoushouldcheckwiththecompany.
Itsadvisablethatyouplanforyourchildrenfutureseperatelyandavoidanycomboproducts.Evenaccidentalinsuranceyoushouldlookata
comprehensivepolicy.ApolloMunichhasbeengoodonservicestandardsandhasmaintainedproductcompetitivenessthenPSUs.Onemajor
differenceissublimitswithinfeatureswhichisthereinmajorPSUpolicies.
Lookatyourrequirementsandthentakeadecision.
Ihopethisansweryourqueries.
ReplyLink

SanjayWableJanuary18,2012,6:44PM
Itisdifferent!doyouknowwhatelseisdifferenttheApolloMunichContest.Playit!
ReplyLink

HemantBeniwalJanuary20,2012,7:52AM
HiSanjay,
IthinkyouarenewtoTFLelseyouwouldnothaveaddedthiscomment.IwouldliketoclarifythatIdonthaveagencyofanyLifeorGeneral
Insurancecompany.
IfyouhaveanydoubtsregardingApolloMunichOptimaRestoreoranyotherhealthinsurnacepolicyfeelfreetoaddhere.
ReplyLink

ShaileshBhuskuteJanuary20,2012,3:00PM
HiJitendra&Hemant
Itisreallygoodinitiative.Youarethesocialworkersof21stcentury.
Mydoubt:Iam32yrsoldworkinginIT.IhaveICICIHealthAssurance5Lakhformyself.AlsoIhaveoptedforGroupinsuranceprovidedbymy
employer.ItcoversmyWife,daughter(3.5yrs)andmother(62yrs)
ButIthinkmywifeanddaughterneedstobecoveredunderseparateHealthinsurance.
SoforbothofthemisOptimaRestoreFamilyFloateradvisable?
Thankingyouinanticipation.
Regards,
Shailesh
ReplyLink
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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JitendraSolankiJanuary20,2012,5:54PM
DearShailesh,
Thanksfortheappreciation.
Youhaveboughtagoodcoverageforyourself.Althoughyourwife,kid&motherarecoveredfromgroupinsurance,itsstilladvisablethatyou
buyaseperatepolicyforyourmother&Yourfamily.Reason,Grouppoliciesbenefitsarebeingrevisedandifyourcompanyfindsthatparents
havebeenthemainclaimantingroupinsurance,theymightexcludethemgoingforward.Althoughportabilityisavailablenow,whereifyou
leavethecompanyyoucanconvertyourhealthinsuranceintoastandalonepolicywithsamecompanyandafteroneyearswitchtoother,the
decisionofaccetanceliessolelyontheinsurancecompanywhichcanexcludesomeofthebenefits.
Hencereviewyourpolicyforspouseandkidandcontinuetheircoveragethroughgroupinsuranceifthestandalonepolicyhasbenefitsasper
yourrequirements.Butcoveryourmotherthroughaseparatepolicy.
Yes,OptimarestoreyoucanconsiderasApollohaslifelongrenewalswhichwillbenefityou.
ReplyLink

BinsonMathewFebruary16,2014,9:26PM
DearShaileshBhuskute,
Readingyourcomment,IhadaslightfeelingthattheHealthAssureplanthatyouarehavingneedstobereviewed!
IfthatsfromaLifeInsuranceCompany,Iamsuresomebodymettheirtargetbyyou!AndifitsfromaGeneralInsuranceCompany,the
probabilityofhavingtherightproductcanbeashighas100%.Iamsureyouknowprobabilityisnotsurety!However,itsrecommended
toreviewonce.
OptimaRestoreisaverygoodoptionNeverheardanybadreportthusfar.
Thankyou.
ReplyLink

pattuJanuary20,2012,3:47PM
DearMr.Solanki,
DoestheMultiplierBenefitinApolloOptimaRestoreworkveryyear?
DoestheSAincreaseinthe3rdclaimfreeyear?(or4thsayafter1claimetc.)
Ifyesthenitwilllikethemagicofcompounding!Ifnointhelongrun(severalclaimfreeyears)discountofferedinthepremiumisbetterisnt?
(AlsoIpresumethedoublingworksonlyfortwoconsecutiveclaimfreeyears.)
ReplyLink

JitendraSolankiJanuary20,2012,6:07PM
DearPattu,
NCBbenefitinanymodehasamaximumlimit.BeyondthattehSAdoesnotincrease.Alsoitsnotaninvestmentproductandhenceyoucannot
haveacompoundingincreaseinSAforlifelong.
ThedifferenceIhighlightedisthatinageneralhealthinsurancepolicyNCBincreaseby510%everyyearandhasmaximumlimitof
50%.HencetheSAofRs5lakhreaches7.5lakhinfewyears.ContrarytothisinRestoreitis100%whichreachesinthirdyearandtheincrease
inSAbenefitanyhealthseekers.AlsoaddtherestorebenefitinthirdyearyourSAactuallytriplesandissurelyacompoundingincreaseoryou
cansayamultiplierbenefitwhichhasnotbeenavailabletillnow.
Goodorbadisanindividualchoicebasedonhis/herrequirements.
Ihopethisclearyourdoubts.
ReplyLink

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pattuJanuary20,2012,6:21PM
Gotitthanks.ThemainlimitationthenisIfaclaimismadeafterthebonushasappliedtheninthefollowingpolicyyearthemultiplier
bonusisdecreasedby50%ofbasicSA.
SosayIhave7.5lakhcoverfromthe3rdyearon.3/4yearslaterwhenImakeaclaimthenextyeartherewillbedecreaseinthebonus.To
takecareofinflationIwillhavetoincreasethecover.Thisisanunappealinglimitationtome.
ReplyLink

JitendraSolankiJanuary21,2012,9:27AM
DearPattu,
Yes,withtimetheinsurancecoveragemighthavetobeincreased.AlthoughtherearecheaperoptionslikeTopupPoliciesbutthen
allcompanieshavedifferentfeatures.InfactApolloalsohaveatopuppolicywhichyoucanconsiderforincreasingthecoverage.
MytakeisthattheyaregoodoptionforenhancingyourcoverageatalowpremiumrateswhichmostIndianconsumerarenotaware
of.
ReplyLink

docanoopJanuary20,2012,10:42PM
Gr8article..Iwasplanningtogetthisoptimarestorefamilyfloater,butcudntgetanyinfoiftheyprovidecriticalillnessrideralongwiththis??
ReplyLink

JitendraSolankiJanuary21,2012,9:13AM
Deardocanoop,
RightwhatMr.Anilsaid,youcannotaddaCIrider.HoweverdonotethatinanyhealthinsurancepoliciesalltheillnessesscoveredinCIare
coveredforhospitalizationexpenses.
ForCIrideryouwillhavetolookatEasyHealthproductfromApolloMunichorothers.
ReplyLink

docanoopJanuary25,2012,10:14AM
ThanxJitendra..
ReplyLink

anilkumarkoulJanuary21,2012,1:42AM
mr.docanoop,noyoucantgetcriticalillnesscoverriderwithoptimarestorepolicybutyoucangetitwitheasyhealthofappolomunichbutcritical
illnessarecoveredtotheextendofsumassuredinallhealthinsurancepolicies.
ReplyLink

docanoopJanuary25,2012,10:15AM
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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Thanxanil..
ReplyLink

sandeeppaiJanuary21,2012,9:55AM
hi,
ihaveamaxbupafamilyfloaterpolicySILVERHEALTHFORACOVEROF2LACS.MYAGE32,WIFE29ANDKID1YRALLINCLUDED.
PREMIUMOFAROUND7000P/A.SHOULDISWITCHOVERTOOPTIMARESTORE.ISPORTABILITYALLOWEDFROMMAXBUPATO
APOLLOMUNICH
ReplyLink

JitendraSolankiJanuary21,2012,12:57PM
DearSandeep,
Yes,portabilityisapplicabletoallinsurancecompaniesandyoucanswitchfromMaxBhupatoApolloMunich.However,thebenefits
continuationwillbedecidedbythecompany.
Socheckwiththecompanyandthendecideifitmatchesyourrequirements.
ReplyLink

TCBJanuary21,2012,12:20PM
DearJitendra,
Myfamilyincludingparents(agedabove70years)amcoveredundergroupmediclaimpolicygivenbyOriental.CanIshifttoAppoloOptimawith
parents?Ifyes,wherecanIfindthepremiumrates?
Thanks
ReplyLink

JitendraSolankiJanuary21,2012,2:08PM
DearTCB,
PortabilityinGroupinsuranceworksdifferently.
Firstyouwillhavetoconvertyourgroupinsurancetoastandalonepolicywiththecompanyyouareavailingthebenefitscurrently.After
continuationofoneyearyouwillbeabletotransferyourpolicytoanotherinsurancecompany.
However,donotthattermsofstandalonepoliciesaredifferentfromgroupinsurance.Theremightbeexclusionofsomebenefitslikeyour
parentsinclusionoranyotherandthestandalonepolicymayhavesublimitswhicharenotthereinmostgrouppolicies.Sincethedecisionof
acceptancerestwiththecompany,firstcheckthebenefitsyouwillbeabletoavailandthenmakeyourdecision.
ReplyLink

RamprasadJanuary21,2012,7:48PM
Jitendra,
Thanksforthiswonderfularticle.Imlookingforaninsurancepolicyformyparents.Theyhavediabetics.Andamlookingforapolicywhichhasless
no.ofyrsexlusionforpreexistingdiseases?
Igenerallysee4yrsforcoveringpreexistingdiseases.Iseethisoptimarestorehasonly3yrs.Couldyousuggestanypolicywhichhaslessthan
3/4yrs?
ReplyLink
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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JitendraSolankiJanuary21,2012,9:39PM
DearMr.Ram,
FordiabeticpatientstherearespecificpoliciesfromstarthealthandICICILombard.Youcancheckthescopeofcoverageforyourparents.
However,donotethatthesepoliciesdonotcoveranyotherillnesses.
ApolloMunichdonotcoverdiabitiesandhenceyouwillnotbeabletocoveryourparents.Also,allcompaniescoverpreexistingpoliciesonly
afterawaitingperiodof34years.
Youshouldcheckwiththesespecificpolicies.
ReplyLink

anilkumarkoulJanuary21,2012,8:48PM
mrramprasad,theunderwrittingofapolloisnotsoflexiableifuinfactyoushouldmentiondiabitiesinpropasalformapollowillnotacceptitbut
silverliningisthatmaxbupaislotflexiableinthisregardtheyprobablywillissuethepolicyafterundergoingprescribedtests&exclusionsdepends
ontheoutcomeoftests&normallyitisfor2years.
otherco.fordiabiticpatentstolookforisfromstarhealthwhichhasapolicy
diabiticcarebutofferslimitedcovernotanmediclaiminrealsense.
pl.nevertrytohidemedicalfactswhileapplyingformediclaim&everyco.hasarighttorejecttheclaimundergroundsofnondisclosure
ReplyLink

tonygJanuary22,2012,10:12AM
Thanksverymuch,thisarticlejustcamewhenIwaslookingtoincreasemyexistingmediclaimandwasshoppingaroundforasuitableone.
Im47andmywifeis40witha13yearsoldson,themediclaimpolicythatwehaveisof3lakhswithNationalInsuranceIndia,CanIbuyan
additionalpolicyjustforme?
willbothofthepolicyapplyifneeded?OrshouldIgetanotherpolicylikeApolloMunichRestoreformyfamily?
Keepupthegoodworkofeducatingpeoplelikeus.
AllthebesttothewholeteamofTFLandspeciallyHemantjiforthehardworkanddedication.
ReplyLink

JitendraSolankiJanuary22,2012,1:44PM
DearTonyg,
Youhaveboththeoptionsofbuyingapolicyforyourselfandthefamily.SinceyourfamilyiscoveredonlyforRs3lakh,itmightnotbe
adequatetomeettheemergenciesinfuture.Itwillbeadvisableifyouenhancecoverforyourspouse&kidtoo.
YoucaneitherlookattopuppolicieswhicharecheaperorbuyacomprehensivepolicylikeApolloMunichRestore.However,doremember
thatfeaturesinallpoliciesaredifferentandyoushouldcompareitbeforetakingadecision.
ReplyLink

tonygomesJanuary22,2012,3:39PM
ThankyouverymuchforyouradviceIwillcomparethefeaturesfromMaxBupa,ApolloMunichrestoreandNationalInsuranceIndia,Doyouthink
itwouldbesufficienttotopitupforanother5lakhswithcriticallyillnessrider.
YouradvicewillbeveryusefulwhenIdiscussitwiththerepresentative.
Thanksagain.
Regards
ReplyLink

JitendraSolankiJanuary22,2012,10:56PM
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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DearTony,
ApolloMunichRestoredoesnothavecriticalillnessrideroption.
Youcancheckwithotherinsurancecompaniesfordetails.Yes,itwillbeagoodoptiontohaveaCIrideralongwithbasepolicy.
ReplyLink

tonygomesJanuary23,2012,9:14AM
Thanksfortheadvice,andkeepupthegoodwork
ReplyLink

SowmiNarayananJanuary24,2012,2:03PM
DearJitendraSolanki,
Thanksforthenicearticleandclearexplanations.ItseemsHealthInsuranceindustrystillneedtolongwayandinfuturethereisgoingtobemany
morepolicieswithnewfeaturesandinnovations.Alsoyearbyyeartheportabilityofthepolicyalsonotpossible/feasible.Soselectingthecorrect
policyinthefirstitselfseemstobeverycriticalandalsoadauntingtask.Somyquestionisthereiswaytoselectorevaluateahealthinsurancepolicy
usingratings/methodoligies?ForMFwehavevaluereasearch,similarlydowehaveaanyotherrenownedorganizations/companyprovidingthis?
IfYespleasesharethedetailsandhowtoselecttheeffectivehealthinsurancepolicies?
Cheers
Sowmi
ReplyLink

JitendraSolankiJanuary24,2012,5:42PM
DearSowmi,
ISevawasdoingcomparisonofhealthinsuranceproductsandratingthem.However,IRDAhasputsomerestrictionsonsuchkindof
comparisonsduetowhichmanycompanieswhowereofferingthisservicehavebeenaffected.
Toevaluateahealthinsuranceschemeidentifyyourrequirementswhichshouldincludeanyspecificillness,costofhospitalizationinyour
preferredhospitalnetworkandmemberstobecovered.Thiswillletyouknowthefeaturesyouaresearchinginaproductandthetotalcoverage
requiredtocoverallmembers.Identifytheproductbygoingthroughpolicywordingsindetailandselectwhichbestsuitsyourrequirement.
ReplyLink

SubodhPadhyaJanuary24,2012,2:19PM
DearJitendra,
Thankyouforthedetailedanalysis.NeedoneclarificationIfwepaytwoyearpremiumatoneinstancewhathappenedtoNCBfofirstyear.Isitthat
weloss50%NCBtosave7.5%ifthereisnoclaiminthefirstyear?
AnotherquestionisIamhavingaRelianceHeathwiseGoldFamilyFloaterpolicyandnoclimsbeenmadesinceItookthispolicy(4Yearsnow).
SupposeItransferthispolicytoApollounderportabiltysceme,willIgetallthebenefitswhichIamsuppossedtogetaftercompletionofthreeyearsof
policy.
Thanks&BestRegards.
SubodhPadhya
ReplyLink

JitendraSolankiJanuary24,2012,5:55PM
DearSubodh,
IfyoupaytwoyearpremiumthenfirstyearNCBiscountedduringyourrenewalanditworkssimilartooneyearpolicy.Henceifthereisno
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claimfortwoyearsyourSAgetsdoubledduringrenewalaftertwoyearsandviceversa.
Asfarasportabilityisconcernedthedecisionrestwiththecompany.Inmostcasestheallfeatureswillbecontinued,howeverthecompanymay
restrictsomeofthemonbasisoftheirevaluationonvariousparameters.
Youcancheckwiththecompanyformoreclarification.
ReplyLink

IndrajeetSinghJanuary24,2012,2:45PM
DearHemant
Starhealthhaslaunchednewpolicyw.e.f.16thjan,2012.Ithassimilarfeaturesasinapolomunich.
Irequestyouifyoucanwriteonthispolicy,sinceIamplanningtobuyone.
withregards
IndrajeetSingh
ReplyLink

JitendraSolankiJanuary24,2012,6:01PM
DearIndrajeet,
ApolloMunichRestorehasbeendiscussindetailhere.Youcancomparethetwoandselectonewhichbestmatchesyourrequirement.
HaventgonethroughStarHealthyetbutwillbeevaluatingtheproductsoon.
ReplyLink

IndrajeetSinghJanuary25,2012,11:42AM
Thanks.Iwillwaitforyourevaluationofstarhealthnewpolicy.
canugivealinktotheclaimrejectionratiosofallmediclaimcompanies.
withregards
Indrajeetsingh
ReplyLink

JitendraSolankiJanuary25,2012,4:55PM
DearIndrajeet,
StarhealthhasalsoreviseditsbaseproductlikeApollo.TheyarerestoringtheSAintheirnewpolicy.Howeveronemajor
differencebetweenthesetwocompaniesisthesublimits.StarHealth,althoughhaveaddedfeatureslikerestoringofSA,Higher
bonusetcitstillhassublimitsinalltheirfeatures.Fore.gRestoringofSAis50%uptoRs3lakhand100%aboveRs4lakh.
SimilarlytheNCBishigherbutincreasebyonly1025%infirstrenewaland510%afterwards.Themajorsublimitsinroom
rent,doctorfees,nursingexpensesremainsbutwithhigherlimits.
WithinStarHealthproductsitsnewpolicyiscertainlyprovidinggoodfeaturesbutwhencomparedtoApolloithashighsublimits
whichmaynotfindfavourwithmanyhealthinsuranceseekers.
Youcanlookattheproductafteranalyzingthehospitalizationcostsinyourpreferredhospitalnetwork.Ifthesublimitsdoesnot
poseanymajorproblemsyoucangoaheadwiththepolicy..
ForclaimsettlementdatayoucancheckIRDAwebsite.
ReplyLink

ANASUADASJanuary26,2012,4:17PM
IfIbuyaoptimarestorefamilypackageof3lakhsandpayapremiumfor2yearsattheverybeginningwillIgetadiscount?Ifso,whatwillbetherate
andhowmuchwillIhavetopayintotal?
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ReplyLink

JitendraSolankiJanuary26,2012,11:29PM
DearAnausa,
ApolloMunichgives7.5%additionaldiscountifyoupaypremiumfortwoyears.Thediscountisapplicableonthepremiumrates.Fore.gif
PremiumisRs7000thenyoupayRs6475(add10.3%Servicetax)effectively.
ReplyLink

CHAKRAPANIJanuary20,2014,4:59PM
Hi
youwillgetbutbewareoftakingapollomunichinsurance..
worstservice
ReplyLink

anilkumarkoulJanuary26,2012,9:42PM
mr.das,appollooffers7.5%discountonbasepremiumif2yrspremiumispaidinsteadof1yearbutshouldbeinsameageslab,thecalculationis
simplymultiplybasicpremiumby2&deduct7.5%ofamount&addS.T@10.3%resultwillbepremiumfor2years.pl.checkratesonwebsitefor
youragegroup.
ReplyLink

GSREDDYJanuary30,2012,7:02PM
inthiscompetitiveera,weallilllterates,thegulliblepublicaretakenforarideatourownrisk,besidescosts
fortunately,Ofcourse,herewegottheseesteemedfinancialAdvisors,nottoerrwithfinancialagentswhosolelyhavetheirowntransienttargets
well,wegetallinformationandadvisesfromtheseExperts.
allaccoladestothissiteFounder,Mr.hemanth,andallExpertmembers.
finalcall,followthepioneers,nottheleadersoftheday..
ReplyLink

PrabhuJanuary31,2012,10:18AM
HiJitendra,
Greattoseeapersonhavingsuchavastknowledgeonhealthpolicieswhichisveryimportantforlife.kudostoU Ineedahelpfromyou,ineedto
whichhealthproductcoversthedoctorconsultationexpenses(OutPatients).Becauseitakemymomfrequentlydoctorforconsultation,wedonotget
admittedtohospitalasmosthealthproductsrequire24hrstobeinbedfortheclaims.Pleasesuggestmeahealthproductwhichicantakeformy
parents.ItshouldcoverOutPatient(OP)expenseswhichicanclaimfromtheinsurancecompaniesproducingbills.
ReplyLink

JitendraSolankiJanuary31,2012,1:27PM
DearPrabhu,
Verythanksfortheappreciation.
ThereareveryfewspecificOPDpoliciesatpresentandtheyareslightlycostlierwhenitcomestopremium.EvenApolloMunichhasonewith
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nameofApolloMaxima.Youcancheckitandseeifitmatchesyourrequirement.
StarHealthandMaxBhupaalsohavethesespecificpolicieswhichyoucancompare.
HowevertherearesomehealthinsurancecompanieswhichcoverOPDbenefitsintheirbasicplans.Youcancheckwiththemasperyour
requirements.
ReplyLink

RajeshMalikFebruary1,2012,1:18PM
HiJitendra,
ihavetalktoexecutiveaboutApolloMunichOptimaRestore,ihavedonethispolicy,isthisrightwhichichoose?pleasegivemeyoursopinionon
this.
pleasesuggests
RajeshMalik
ReplyLink

JitendraSolankiFebruary18,2012,10:15AM
Rajesh,
Yesthispolicyhassomegoodfeatureswhichareconsiderable.Youcansimultaneoulycreatesomeliquidfundsformeetinganyshortfall.
Reviewyourinsuranceneedsatappropriateintervalstocoveradequately.
ReplyLink

SudipDFebruary2,2012,4:28AM
HiJitendra,
Averyinformativearticle&verypreciseanswertoallthequestions.Greatwork!
Imlookingforahealthinsurance.ConfusedbetweenthetopplayersApollomunich&Maxbupa.Needyoursuggestion.
Im26yearsoldnodependentssofargoodhealthconditioni.e.noprior/presentillness.SoanIndividualplanwouldbefinefornoworshouldgofor
FamilyFloaterplan(consideringthatImaygetmarriedin12years)?Whatneedstobeafairsumassuredandalsothepremium?WhichfeaturesI
needtocheckatthismomentlikeroomsublimit,pregnancy/maternityexpenses(forlater)waitingperiod,dailycashbenefitetc.inordertomakea
choice?
SoconsideringtheseEasyHealthorOptimaRestoreoranyMaxbupaplanswhichonewouldbesuitableforme?
Eagerlywaitingforyourreply.
Thanks,
Sudip
ReplyLink

JitendraSolankiFebruary2,2012,11:33AM
DearSudip,
Thanksfortheappreciation.
Individualpoliciesarealwaysbetterthenfloaterasyougetahighercoverage.Alsosinceyouaresingleyouwillnotbeabletogetanyfloater
planasminimummemberrequirementistwo.
YourSAshouldbeabletocoverhospitalizationcostinyourpreferrednetworkcomfortably.However,isntalwaysadvisablethatyoualsocreate
anemergencyfundasthehighpremiumssometimesbecomesaconstraintforgettingrequiredcoverage.Generallypolicieswithoutanysub
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limitsaregoodasyoudonothavetoshelloutfundsfromyourpocket.Alsoifcompanyhavesublimitsyouhavetobuyaveryhighcoverto
meetthecostduringhospitalizationingoodhospitals.ApolloandMaxBhupahavegoodproductswiththisfeature.
Youwillbegettingmarriedandwillhavetobearmaternityexpensesfewyearsdowntheline.Youshouldlookatthisasoneofthe
factor.Howeverthecoveragewillhavetobeonyourspousetoclaimthebenefit.Youcanbuyanindividualcoverforheronceyougetmarried.
ForyouOptimaRestorewillbeagoodoption.YoucancancheckotherpoliciesfromApolloorMaxBhupatocoveryourotherfamily
members.Alsostartsavingforanemergencyfundwhichwillhelpinmeetingexpensesifthehealthinsurancecoveragefallsshort.
ReplyLink

SudipDFebruary2,2012,2:32PM
Jitendra,THANKSALOTforyourdetailedreply&enlighteningaboutthevariousdecidingfactorsofchoosingahealthinsurance.
Illgothroughthepoliciesofthesecompaninesoveragain&hopetomakeadecisionsoon.Willaskyouiftheresanyotherquery.
Andyes,Imworkingonmyemergencyfund.Andplanningotherinvestmentstoo.
Thanksonceagain!
ReplyLink

JitendraSolankiFebruary2,2012,4:14PM
DearSudip,
Iampleasedthatmyrepliesarehelpingindividualsintheirfinancialdecisions.
Iwillbehappytoansweryourqueries.
ReplyLink

AtulFebruary2,2012,12:27PM
DearMr.Solanki,
PleaseletmeknowifCriticalIllnessiscoveredbydefaultinOptimaRestorebecausetheydonttellaboutiteveninpolicywordings.Andwhatis
claimsettlementratioofApolloMunich?
Thanks,
Atul
9871800000
ReplyLink

JitendraSolankiFebruary2,2012,2:30PM
DearAtul,
OptimaRestoredoesnothaveanyexclusiveCIridertoattach.However,hospitalizationexpensespertainingtoillnessescoveredunderCIare
coveredunderbasicheathinsurancepolicy.
ForsettlementclaimratioofApolloMunichyoucancheckatIRDAWebsite
ReplyLink

VishveshKavlekarFebruary3,2012,10:02PM
DearJitendraSir,
Isincerelythankyouforyoursuperbreviews.ItonlybecauseofthesereviewsIunderstoodmyfoolishness.CurrentlyIhave
1.JeevanSaathiDoubleCoverJointLifePlanfor1Lakh(Premium:Rs.4009)startingon50109
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2.HealthPlus(HCB=2500)(MSB=500000)(Premium:Rs.15000)startingon201009
3.JeevanAnandfor3lakh(Premium:Rs.15429.00)startingon270310
4.WealthPlus(Premium:Rs.2000monthlythroughECS)startingon40510
5.JeevanSaral(Premium:Rs.766monthly)startingon250511
Wife
1.JeevanAstha(SinglePremiun:Rs.1,03,290)startingon281208
2.HealthProtectionPlus(HCB=1000)(MSB=200000)(Premium:Rs.6000)startingon290310
Alloftheabovepolicieswereforcedtomebuymyrelations(LICAgents).PleaseguidemewhetherIshouldcontinueornot.Myageis29years&
mymonthlysavingsisRs.10,000
ReplyLink

JitendraSolankiFebruary7,2012,9:37AM
HiVishesh,
Youwillgetanalysisonyourportfolioasdiscussedyesterday.
Regards
Jitendrasolanki
ReplyLink

SureshKFebruary5,2012,4:16PM
HelloTFLteam,
Nicearticleonmedicalinsurance.Itisaneyeopener.
Iam30yearsoldwithkidandcoveringwithGroupinsuranceof3LacsfromourEmployer.Afterreadingthisarticle,Igottoknowtheneedof
anotherFamilyfloaterformyfamily(2adults+1child).ComapredsomanypoliciesandshortlistedApollomunichfamilyfloaterstandard&Max
bhupaFamilyfloatersilver.Pleasesuggestmethesuitableplanamongthe2andhowmuchSIshouldItake3or4Lac?
ReplyLink

JitendraSolankiFebruary7,2012,10:19AM
DearSuresh,
Itsgoodtoseethatreadersofourarticlesaregainingawareness.
Bothcompaniesaregood.ApolloMunichwillbeslightlycheaperthenMaxBhupa.Ihavebeendiscussinginthisforumthatsometimes
combinationofanindividualandafloater(coveringyourspouseandchild)canworkwellasthepremiumincreaseisnotveryhigh.Thebenefit
yougetishighercoverage.
LookforatleastacoverofRs5lakhforyourentirefamily.Youcancheckwiththecombinationihavediscussed.
AsfarasApolloMunichEasyHealthStandardisconcerned,Restoreisenhancedversion.Youcanconsideritforyourfamilyifstandardisyour
choice.
ReplyLink

AjayFebruary8,2012,3:49PM
DearJitendra,
Goingthroughthediscussionitseemthatappollomunichrestorisoneofthebesthealthinsurancepolicythoughmarginallyexpensive.i
amlookforanhealthinsuranceformyparentsaged55and49.Theyaremedicallyfit.Whatwouldyouadviseindividualorfloater.Also
adviseificanlookatotherpoliciesformyparents.
ReplyLink

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JitendraSolankiFebruary8,2012,9:49PM
DearAjay,
OptimaRestorehassomegoodfeatureswhichenhancesoneshealthinsuranceneeds.Youcanlookatthisproductforyourparents
too.
Anindividualplanisbetterasyoucangetahighercoverage.Howeveratyourparentsagethepremiumwillbehigh.Ifthepremium
costgoesbeyondyourmeansinIndividualthenoptforfloaterpolicy.
OtherpolicieswhichyoucanconsiderareApolloEasyHealthandMaxBhupa.
ReplyLink

AjayFebruary9,2012,12:20PM
ThanksforyourreplyJitendra,CheckedthepremiumcomparisonforAppolloEasy&Optima+MaxBupa,thepremiumsare
expensive.Whatabtorientalfamilyfloatersilverplanwithmyselfasthemainproposerplusparentsandothermembersthe
premiumworksouttoRs.11,360visavisRs.29171foroptimarestoreforparents,Easyhealth@23000/andmightbe
higherforMaxBupa.Doyouthinkthiswillworkorarethereanydemeritsintheabove.Thesurpluscanbeinvestedtocover
upforcopayinfutureunderoriental.
ReplyLink

JitendraSolankiFebruary9,2012,3:04PM
DearAjay,
TheplanfromOrientalInsurancehassublimits.Fore.g.roomrentispayableupto1%ofSA.Ifyourexpensesgoes
beyondthisyouhavetobearit.Similarsublimitsarethereinotherexpenses.Evenifyougoforhighercoverthesub
limitswillrestrictyourclaim.SometimestheseposeproblemsifthehospitalcostistoohighlikeinMetros.Henceyou
willhavetoanalyzethecostinyourpreferrednetworkandthendecide.IfsublimitsareokthenStarHealthisalsoa
goodoptionastheyhavecomeoutwithapolicywithrestorefeatures.
ReplyLink

InderFebruary11,2012,7:41PM
DearSir,
IhavethesamequeryasofAjay.Iamalsolookingtobuyhealthinsuranceformyparentsaged59and58.Iam
interestedinorientalinsurancehappyfamilyfloaterplan(Gold),SI6lacs.Premiumwillbearound20,000ifPA
of10,00,000eachisalsotaken.
Kindlycompareitwithstarhealthplanassuggetedbyyou.orprovidemethelink.
Also,Ineedyourpreciousadviceregardingthebuyingprocess.ShouldIbuyonlinefromthecompanywebsite
orthroughagentslikemedimanage.com,orinsuringIndia.com?Kindlyhighlightthedifferencesinthevarious
buyingprocess.
IsTPAishelpfulorIshouldnotavailitsservicesandget5%discountinpolicypremiumoforiental.
Iamwaitngforyourvaluableresponseandwillbuypolicyimmediately.
Manythanksinadvance.
ReplyLink

JitendraSolankiFebruary16,2012,11:42PM
DearInder,
Youcancheckpolicydetailsathttp://www.starhealth.in
Buyingthroughcompanywebsitesisagoodoptionandthepremiummaybebitlowerthanbuyingthrough
anyintermediary.Thecompanyreducestheintermediarycostwhenanycustomerbuydirectlythroughtheir
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websites.
TPAshavebeenthecauseofsomeproblemsinthepastandhencemostcompanieslikeApollo,MaxBhupa,
ICICIandevenStarHealthhavetheirinhouseprocesses.ButthatdoesntmeansTPAservicesarenot
considerableeverywhere.IhaventexperienceservicesofOrientalandsocannotcomment.Now
portabilityisthereyoucanalwaysswitchyourinsurerifyoufindanydeficiencyinexistinginsurer
services.
ReplyLink

drInfoFebruary17,2012,8:42PM
HiJitendra,
Ineedaninsuranceformyparentsaged64&58.IhavebeenresearchingonAppoloMunichOptimaRestoreanMAXBUPAFamilyFloatersilver
Plan.AfewnotabledifferencebetweenthemisInMAXBUPAHeartbeatFamilyFirstprovidesthisoption10lakhinsurancecover(5lakh
each)+15lakhFloaterpremium(sothetotalamountwilbe40Lakh)thepremiumcomesto40K.
ThedrawbackinMAXBUPAiscopay(80%20%)after65yrsofage.WhereasinApolloMunichOptimaRestorethereisnocopay.Butthenthereis
nofloatercoverage.Iamabitconfusedwhichoneishouldgofor.Requestyourhelp!!.
ReplyLink

JitendraSolankiFebruary18,2012,10:08AM
DrInfo,
Youshouldgoforindividualpoliciesforyourparentsifthepremiumiswithinyourbudgetedexpense.
Inrestoreyouhavefloaterpoliciesalso.Thebenefitofthispolicyisapplicabletofloatertoo.Youcancheckthepremiumfordetails.However,
themaximumcoverageisuptoRs10lakh.InMaxBhupayougethighercoverage.
Restoreisgoodwhenyouconsiderthefeatures.Youcanplanforbuildinganemergencyfundalongwiththepolicy.Thiswillhelpinreducing
costforyou.Therearecertainexclusionswhichareapplicabletocopaypolicies.Youshouldcheckpolicywordingforknowingyourexact
payoutifsituationarises.
Dorememberthatathigheragetherewillalwaysberestrictionsinhealthpolicieseitherthroughmaximumlimitorcopayment.Optwhichcover
illnessescomprehensivelyandcreateemergencyfundtodealwithanyshortfall.
ReplyLink

anilkumarkoulFebruary17,2012,11:44PM
Dearinfo,congratsfortheresearch&itisbeleivedyouarelookingforpolicyfor5membersincludingurparents.
iwouldliketosuggestthatweshouldgiveprioritytoadequatecoverconsideringpresentmedicalinflationofmorethan15%&downthelinesayafter
5to8yearswillthechosencoverwillbesufficientornot?
sinceurparentsareinsixteesindeeditwillbediffuculttochoosehighersumassuredaftersomeyearssomypersonnelopinionwillbetooptfor
maxbupa&trytobuiltmedicalfundforprovisionsofcopay.
ReplyLink

drInfoFebruary18,2012,12:35PM
ThanksJitendraandAnilfortheadvise.Youarerightweshouldtakethemedicalinflationintoconsideration,henceMAXBupawithgreater
coveragemakessensealsoIneedtocheckpolicywordingsbeforetakingthepolicies.OnemoreinformationIwouldliketogivetothereadersis,I
checkedintheIRDAwebsiteforClaimsettlementratio.MaxBUPAhasjust54%whereasApolloMunichhas93%,onofthebestintheindustry.
.SointhisregardsdoesitmakessensetogowithApolloconsideringthetrackrecord.?
ReplyLink

JitendraSolankiFebruary21,2012,12:58PM
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DrInfo,
Claimratiodoesgiveyouinformationonthegoodsettlementprocessesofthecompany.InApolloMunichunderwritingisverystrongandthey
sometimesdonotacceptcaseswhereprobabilityofclaimisveryhighliketheydonotgivepoliciestodiabetic.Onegoodthingwiththisprocess
isthattheproblemsduringclaimsareveryless.Theunderwritingduringapplicationmaynotbesostronginothercompanies.Thereareother
casesalsolikeagentmisselling,misrepresentationoffactsbyinsuredetc,althoughthenumbersmaybesmall.
ApolloMunichdoeshavegoodclaimhistoryamongallcompaniesandhenceispreferablebecauseofitsstrongunderwritingprocess.However,
ifyouhavenotifiedallthefactstothecompanyduringtheapplicationyoushouldnotfaceproblemsduringtheclaimeveninothercompanies.
ReplyLink

anilkumarkoulFebruary18,2012,10:42PM
Dr.info,thksforputtingupasuchabeautifuldebateneyapphersionofmassesiwouldliketothrowsomelightonthequestionaskedfor.
iftheproposermentionallthecorrectinformationatthetimeoftakingthepolicynoinsuranceco.candenytheclaim&therearemanyforums
availableforredressal.
AllHealthinsurancecosareboundtopaygenuineclaimif&whenarisesButthentheyhavetherighttorejecttheclaimonthegroundsofnon
disclosure&dishonestyfromproposerend.
ipersonallywillnevergoforsuchandataastheonlycreteriaforchoosingtheplanweshouldinsteadgoforfeatures&needsoftheplan.
mybrotheristheagentofstarhealth(oneofthecheapesthealthinsurerinmkt.)butthennoclaimhasbeenrejectedtilldate.onlymantrabeingto
discloseallcorrectinformationatthetimeofproposal&thewordtoclientthatifsomethingisnotdisclosedhewillnevergettheclaiminsteadwill
loosethepremium.
ReplyLink

jonessamuelFebruary19,2012,8:39PM
WhocaniconatctatmylocalcityBelgaum(Karnataka)orifarepcancontctmeon9739100000
Rgds
Jonessamuel
ReplyLink

SamratBasuFebruary20,2012,8:48PM
HiJitendra,
Im32yrsold,withmywife26yrs&adaughterof2.5yrs.WhatkindofmedicalinsuranceshouldIopt?IrecentlyreadaboutApolloMunich
OptimaRestore.Willitbehelpfulformyfamily?WhatkindofoptionshouldIoptfloateroranyotherelse?NowwhatisFloater?Whatisthe
differenceofitfromothers?
ReplyLink

JitendraSolankiFebruary21,2012,1:25PM
DearSamrat,
YouhavetwokindofmediclaimpoliciesIndividualandFloater.InanIndividualmediclaimtheinsuranceisonasinglepersonlikeyourself
whileinafloaterpolicymorethanoneareinsured.ThebenefitofafloaterpolicyisthatanyofthememberscanutilizetheSumAssured.
However,thedrawbackisthatifentireamountisutilizedbyonemember,theothershavetopurchaseanewpolicytocoverthemselves.Fore.g
inafloaterpolicyofRs1lakhforaPerson,spouseandchildtheamountcanbeutilizedformedicalbenefitsonanyofthem.Butsupposethe
spousegetshospitalizedandentireRs1lakhisused,thepersonandthechildwillhavetobuyasecondpolicyforcoverageintheremaining
period.
Inyourcaseafloaterwillbeagoodoption.HoweversometimeacombinationofanIndividualandafloaterworkswellforgettingahigher
coverage.Comparethetwoandtakethebestoption.YoucanconsiderApolloMunichRestoreasithassomegoodfeatures.
ReplyLink

SamratBasuFebruary21,2012,8:14PM
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HiJitendra,
Whatisthedifferencebetweenahealthinsuranceandmedicalinsurance?IfIwanttogetcoverageoftreatmentcost,whatshouldIopt
betweenhealthinsuranceandmedicalinsurance?
ReplyLink

JitendraSolankiFebruary22,2012,11:13AM
Samrat,
HealthandMedicalInsuranceareoneandthesamething.Thewordsareusedinterchangeablyforthistypeofinsurance.
ReplyLink

SamratBasuFebruary21,2012,6:29PM
ThanksJitendraforyourkindadvice.SoIwouldliketooptforApolloMunichOptimaRestoreoneindividualformyselfandanotherfloaterformy
wifeanddaughter.Sopleasecommentonmyselection.
ReplyLink

JitendraSolankiFebruary22,2012,12:24PM
Samrat,
Youcangoaheadwiththepolicy.Domakesureyouhaveidentifiedyourrequirementsindetail.
ReplyLink

kaushalAbrolFebruary22,2012,2:02PM
Hi,
Mycompanyatpresentcoversmeforallmedicalrelatedissuesmoreoveremployeesarecoveredthroughcorporateinsuranceacoverfor2.5lakh.
Whatineedtoknowisineedaninsuranceforwhichicanpaythepremiumnowandavailthefacilitieslateraftermyretirement.Somewhatwhich
appealsmeisApolloMunichrestore&multiplier.Canyoupleaseadvicewhatpolicyisbetterforme.Iammarriedandhave02kids.Iwillliketo
coveronly01kid.
Regards/
ReplyLink

JitendraSolankiFebruary23,2012,10:18AM
Kaushal,
Althoughcorporatepoliciesbenefitsarereducing,youhaveportabilityavailabletochangeyourcorporatepolicytoastandalonepolicywhen
youleavethejob.However,youcanonlydoitwiththesamecompanyforanyearandthenhaveflexibilitytoswitchtoanyothercompany.With
thisbenefityoucancountyourgroupinsurancepolicy.Butdocheckthefeatureswiththeexistingcompanytomatchyourrequirementsandhave
adequatecoverage.
Allhealthinsurancepoliciesareoneyearpolicies.Alsotherealbeenfityouavailaftercontinuationof45yearswiththecompany.Youcan
purchasetherightinsuranceandcontinueforlongterm.Butdorememberifyoumissanyrenewalthenextpolicywillbecountedasnewand
youlooseallthebenefitsaccruedinthepast.Hencerenewyourpolicytimelysothatbyretirementyouwillbereapingallthebenefitsavailable
inthepolicy.
Simultaneously,youcanalsolookatcreatinganemergencyfundtodealwithanyshortfallashealthinsurancepolicieshascertainlimitations
whichyoucangetfrompolicywordings.Withsmallsavingregularlyyoucanverycreatethiscorpus.
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anilkumarkoulFebruary22,2012,10:45PM
mrAbrolji,iwouldliketosuggestyoutoconsidereitheradeductableorsurpluspolicywhichcanprovideucoverafterfirst2or3lakhswhichever
optionyouchoose&whichisverycheapitworksafterfirstexhaustingthechoosenoptioneitherfromurpocketoranothermediclaimpolicy.since
youarealreadycoveredthroughempolyeertotheextendof2.5lakhsyoucantakesuchapolicyatnominialpremium.Therearemanycoswhichoffer
topuptypeofpolicybuttocertaindecidedage&withsomeconditionshoweverMaxbupadeductablepolicycangiveyoucoverlifelongbutwill
providecoveraftersayfirst3lakhsinayeartheavailablepolicycanbetakenuptomax.3lakhsonfloaterbasis.soyoucanhaveeffectivecoverupto
5.5lakhs&thattooatlowcost.
ReplyLink

sanjivakumarFebruary26,2012,4:33AM
DearMrJitendraSolanki
whataGreatServiceYouAllaredoingtothegeneralpublic!
kindlyadvisewhichhealthinsurancepolicyone{myClosestfriend}shouldtakehisageis44yrs,herspouse32yrs,bothworkingcouple&no
children,theyrplanningforchild/pregnancyin1or2year.pleaseadvisewhichshouldbetheBestpolicyforhimIndividualorFloater,ofwhich
companyApolloMunichorMaxbupaorstarhealthorsomeelse&theirwhichplan?pleaseadviseattheearliestitsurgentforthemtodecide.
lookingforwardforyourrightguidanceattheearliestpossible
regards
sanjiva
ReplyLink

JitendraSolankiFebruary26,2012,4:29PM
Sanjiva,
Anyhealthinsurancepolicycoversmaternityexpenseafteracertainwaitingperiod.Inmostpoliciesitis46years.Howevertheresomespecific
policieslaunchedbycompanieswherewaitingperiodformaternityexpenseisless.
Followingareproductsyoucanlookforcoveringthisfeature:
1.MaxBupaHeartbeatHealthInsurancewaitingperiodof24months
2.StarHealthWeddingGiftInsurancewaitingperiodof24months
3.ApolloMunichEasyHealthPlanwaitingperiodof48month
ReplyLink

sanjivakumarFebruary27,2012,12:56AM
DearMrJitendraSolanki
ThankYouforurreplymail&veryimportantvaluablesuggestions!
Pleasefurtheradvisekeepinginmindlongtermfuturewhichpolicytheyshouldopt/takeiftheyarenotconsideringpregnancytobecovered
immediatelybythehealthpolicy.
ShouldcriticalillnessesbecoveredbythepolicyornotwhatisBetterintheircase{theyarequitehealthy&medicallyFit}?
PleaseadvisewhichshouldbetheBestpolicyforhimIndividualorFloater,ofwhichcompanyApolloMunichorMaxbupaorstarhealthorsome
else&theirwhichplan?pleaseadviseattheearliestitsurgentforthemtodecide.
Iammyselfacancersurgeoningovthospitalcoveredbyformedicalexpenses,butlotsofpatientsattendants&socialcontactsaskmewhichisthe
overallBESThealthinsuranceoneshouldberecommendedfor,thenitbecomesdifficultformeasIhavenoInformedExpertAdviseavailable.Thatis
thereasonimaskingyoutherequiredinformationformyfriendasimamazedbyurindepthknowledge&freeserviceadvicestothemasses.Please
keepuptheseGOODACTIVITIESassocietyneedstheseGOODPEOPLELIKEYOUinthisworldofmaterialism!Youaresilentlyservingthe
societyinyourownway,sopleasedokeepdoingthis,GODwillbeKindtoYou!
lookingforwardforyourrightguidanceattheearliestpossible
regards
sanjiva
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JitendraSolankiFebruary27,2012,10:01AM
DearSanjiva,
TherearetwodifferentpoliciesinthemarketOnewithsublimitsandotherwithoutsublimits.Insublimitsexpensesincurredonroom
rent,doctors&nursingfees,particularillnessandpre&posthospitalizationhaveamaximumcappingforclaim.CompanieslikeStarHealth&
NationalInsurancehavecappingonallexpensesyouclaimduringhospitalization.Fore.g.StarHealthcoverroomrentexpensemaxuptoRs
4000perday.Ifyourrentgoesbeyondthisyouhavetobearadditionalexpensefromyourpocket.Hence,youwillalwayshaveamaximumlimit
withinyourSumAssuredforclaim.ContrarytothiscompanieslikeApolloMunichorMaxBhupadoesnothaveanysublimitsandsoyoucan
getclaimuptoyourpolicySAirrespectiveofexpensesyoubearonasinglecategory.HencethepoliciesfromApolloMunichorMaxBhupa
willbecostlierascomparedtoStarorNationalDuetohigherfeatures.
Whichpolicywillbebestdependsonthecostofhospitalizationinthepreferredhospitalnetworkandthecityyoulivein.Inmetrossublimitsdo
createaproblemasthecostiswayabovethese.However,ifyouhailfromaverysmallcitypoliciesofStarHealthcanbeconsidered.Onfeatures
andservicesstandardIfoundApolloMunichtobeverycompetitiveandprimaryreasoncanbelongexperienceofparentcompany(Apollo
Hospitals)inHealthcare.IfpremiumisnotaconstraintthenyourfriendcangoforApolloMunichorMaxbhupa.EvenRestorepolicyisagood
oneconsideringthefeatures.ButyoudonothaveCIwhichifeeloneshouldgoforifin40s.YourfriendcanlookatApolloEasyHealth
productsaftercomparingwithMaxBhupa.Goforpolicywhichcloselymatchesyourrequirements.
AlthoughIndividualpoliciesarebetterthenfloatersometimespremiumbecomesaconstraint.Inthatcaseyourfriendwillnothaveanychoice
buttogoforafloaterpolicy.IfsohecanlookatTopuppolicieswhichgiveshighercoveratverylowpremium.Theseareadditionalpolicies
applicableonlywhenyoubearaminimumthresholdexpenseyourself.Otherwiseheshoudlgoforindividualpolicies.
Formethereisnooverallbesthealthplan.Alwayslookforcreatingsomeemergencyhealthfundaseveryhealthplanwillhavesomeconstraint.
ReplyLink

YogeshFebruary29,2012,8:49PM
Hi,
Iam28yearoldguy.IhavepurchasedApolloMunichHealthInsuranceformyselfof5lakhscoverage.Mypolicyisdueforrenewal..Ijustwantto
knowshouldicontinuewiththeexisitingpolicyorshouldimovetosomepsuspolicy.Iamreallyconcernedbouttheabilityoftheprivatecostopay
whentheclaimarrives.Anditcanbrealfinancialburdenduringthetimeofemergency.yourthoughts??alsowhichisthebestpolicyavailableinthe
market??
MySistersufferedwithcancerfewyearsago.Shehasrecoveredandfinenow.WhichpolicyshouldIbuyforher?Andwillcancerbecoveredinthe
policy??&alsothesideeffectswhich1getswhileundergoingcancertreatment?plsadvice.
ReplyLink

JitendraSolankiMarch2,2012,10:30AM
DearYogesh,
Thereisnoreasonforacompanywhetherpvtorpublictorejectyourclaimifvalid.Privatecompaniesaremoreprocessorientedandhence
claimsettlementisfaster.ApolloMunichhasinhouseclaimsettlementandduetostringentunderwritingforissuingpolicies,theirclaim
settlementisoneofthebestinindustry.Hence,youshouldcontinuewithyourpolicy.Also,thefeaturesoftheirproductsandserviceshasbeen
verycompetitive.
Withregardtoyoursisterillness,youcanapproachanyhealthinsurancecompanyforthecoverage.However,somemayexcludecancer
permanentlyinthepolicyoryoumighthavetoshelloutahigherpremium.YoucanconsiderApolloMunich,MaxBhupaorStarHealthfor
yoursistercoverage.
ReplyLink

FirozAhmedMarch3,2012,2:27PM
DearSir,
Thankyouverymuchforyourbrilliantarticle..Kindlyresolvemyquerries.
Iam30yrs,wife28yrs,nokids,dependentmother50yrsallarehealthy
myincome8lakhsperannumandwife2.5lakhsperannum,motherhousewife
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IhavegotHOSPITALIZATIONBENEFITPOLICYfromNationalInsurance(Me75000,mothe1.5lakhs).marriedaftertakingpolicy.
1.Canitakeanotherpolicyinadditiontothisone?Ifitake2policiesdoihavetoinformtherespectivecompanies?
2.Weareplanningtohavekidsin2014.Whichplanwillbebetter?
3.ShouldItakeindividualplansforall3ofusorafamilyfloaterofhighersum,consideringtheageofmymother?
4.IfItakeafamilyfloater,willibeabletogetlifetimerenewalforeachmember?
Thanksinadvance
ReplyLink

AparnaMarch3,2012,7:12PM
DearSir,
IamplanningtotaketheApolloOptimarestorepolicyformyparents(aged61and55).Myfatherkeepsverygoodhealthandmymotherhashad
slightsugar,butnotoninsulin.Iamnotsureifthiscanbecalledoutasdiabetes.Thelasttimeshehadtotakeinsulinwasduringabriefhospitalization
4yearsback.Sincethensheneverhastakeninsulinandthesugarhasbeenwithinlimits.
Kindlyadviseonthefollowing
a)WouldApolloMunichOptimaplanacceptthis?HowshouldIbedisclosingthis?
b)WouldtheybeconductingtheirmedicaltestsanddeducingthisorshouldIcallitout?
c)Howwouldthisbeaffectingtheclaimsettlementinfuture?Ihaveheardofinstanceswhereininsurancecompanieslabelothermedicalconditionsas
diabetes,Suchasdelayinrecoveringfromasurgeryisattributedtodiabetes.
Wouldthisconditionbeaffectedonsimilargrounds?
Kindlyadvise.Wouldyousuggestanyotherpolicy?
Regards
Aparna
ReplyLink

JitendraSolankiMarch3,2012,10:15PM
Aparna,
ApolloMunichdonotgivehealthinsurancetodiabeticpatients.Henceyouwillnotbeabletocoveryourmotherintheirproducts.Youcan
considerApolloMunichforyourfather.
FordiabeticpatientstherearespecificpoliciesfromStarHealth&ICICILombard.Youcancheckwiththecompanyforscopeofcoverage
withinthesepolicies.Youmightbeabletogetageneralpolicywithsomewaitingperiodifthetreatmentisnotthroughinsulin.
MedicalTestwillbeconductedforboththeparents.
ReplyLink

anilkumarkoulMarch4,2012,4:48AM
Aparnaji,weshouldalwaysmentionallknowninformationinproposalformbeforetakinghealthcoverotherwisethechancesofrejectionofclaimare
high.
Nowapollowillstraightawayrejectyourproposalifyoumentionthesameorleastaftertakingmedicaltestifsugerlevelisbeyondtherange.
Sothechoicenarrowsdowntomaxbupawhichwillprobablyissuethepolicywithnillexclusionclauseifothertestsornormal.
pl.notenondisclosureofmedicalhistoryinproposalformmakesafitcaseforrejectionifclaimariseswithin4policyyears&afterwardsitis
nullified.
sobettertotakeinformeddicision.
ReplyLink

s.muraliMarch12,2012,8:18PM
DearSir,
Iam53yearsandatpresenthealthy.exceptforminorillness.Iwouldliketotakeindividualhealthpolicy.IamstayinginVisakhapatnam,Andhra
Pradesh.whichcomapanyhealthpolicywillbegood?pl.reply
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ReplyLink

JitendraSolankiMarch12,2012,11:40PM
DearMurli,
YoucanconsiderApolloMunichRestoreorMaxBhupapolicies.Botharegoodandprovidecomprehensivecoverage.Youmighthavetoshell
outahigherpremiumasyourageishigh.
ReplyLink

amitdeshpandeMarch13,2012,3:31PM
Iam32yroldandplaningtotakehealthinsuranceof400,000forme+mywife+mydaughter.
Iamconsideringtwooptions
1)ApolloMunichOptimaRestore
2)StarhealthFammilyhealthOptima
asbothofthispolicyhaverestoreandmultiplierfacilitywhichoneisbetter?
ReplyLink

JitendraSolankiMarch14,2012,12:08AM
Amit,
ApolloMunichwillsurelyscoreabovestarhealthbecauseofcertainfeatures.
ApolloMunichdonothaveanysublimitswhileStarHealthhaswhichrestrictstheclaimyoucanavail.TherestorefacilityinStarHealthhasalso
somelimitations.IfpremiumisnotaconstraintApolloMunichwillbebetterchoice.
ReplyLink

anilkumarkoulMarch13,2012,10:55PM
Dearamit,mysugestionistogoforapollomunichoptimarestoreifucanefforditorifbudgetistherestraintthenonlyumayconsiderstar.indeedthe
facilitiesinapolloarebettertobeprecise.
ReplyLink

KumarSayMarch17,2012,8:34PM
Iam51,wife47andboy6yrs.currentlyhaving5lakhsfamilyfloaterwithStarHealthandrecentlyhadahospitalizationforoneofmyfamily
members,unfortunatelythehospitaldidnothaveStarwiththem.SoIhadtopayandthengetreimbursedtheclaimamount.ThenIcametoknow
Starstruecoloursthattheyalmostdeductedmorethan50%ofmyclaimamountduetovariousreasons.
IaminterestedineitherApolloMunichorMaxBupa.Iwouldliketohavethebestbenefitsatacheaperprice.KindlyadviceASAPsinceIhaveto
renewmypolicyby24thMar2012night.
Thanks,
Kumar
ReplyLink

JitendraSolankiMarch18,2012,5:31PM
Kumar,
Starhealthhasvarioussublimitswithintheirpoliciesduetowhichyoumustnothavebeenabletoclaimthefullamount.
IfyouarelookingforswitchingtootherinsurerthenApolloMunichisagoodoption.InfactRestoreisagoodchoicesinceyouwontbehaving
specificrequirementlikematernityexpenseswhichareexcluded.Alsoyouwillbebaletogethighercoveragewithnosublimits.However,the
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premiummaybeonhighersideduetoyourageandwhetherallfeatureswillbeportable,thedecisionrestonthecompany.
Still,youshouldcheckwithboththecompaniesandportyourpolicytothecompanywhichbestmatchesyourrequirement.
ReplyLink

VivekMarch18,2012,11:32AM
DearJitendra
Someveryusefulinformationabove.Ineededadviseonthehealthinsurancecoverformyfamilydetailsbelow:
Self:42yearsinservice
Wife:36years,housewife
Daughter&Son:5yearoldtwins
Resident:Mumbai
Myemployercover:Atotalof2.5lacsforhospitalisationperyearforfamily
PleaseadvisewhichhealthinsuranceplanandforwhatamountIshouldgofor.Iwasthinkingofafamilyfloaterorapprox3or4lacs.Also,whatis
criticalillnesscoverandshouldIoptforthesameanddoIgetthisasanoptioninApolloMunichsStandardplanorisitavailableonltintheexclusive
plan.IfpossibleIwouldliketoavoidplansthatcovermaternityandnewbornsasthiswillnotapplytous.
Manythanks
Vivek
ReplyLink

JitendraSolankiMarch19,2012,11:25AM
Vivek,
Ideallywhenyouhave4familymembersyoushouldtakeacoverofatleastRs710lakhsinmetrocitiesasemployercoveragewillceasewhen
youleavethecompany.Althoughyoucanportyourgroupinsurancetoastanadalonepolicynow,muchdependsonthebenefitsthatwillbe
continued.
CriticalIllnessgivesyoualumpsumamountincaseofcertaincriticalillnesseslikeheartattack,canceretc.Atyourageyoushouldgofor
it.ApolloMunichEasyHealthExclusiveandPremiumvariantgivesyouCIrideralongwithbasepolicy.Youcancomparethesetwoandtakethe
preferredone.
Howeverinsteadofafloaterforfouryoucangofortwofloaterscoveringtwomemberseachprovidedthepremiumdifferenceisnottoo
large.Comparethisoptionalsoandthentakethebestdecisions.
ReplyLink

barathMarch18,2012,9:03PM
GoodSamaritansJitendra/Hemant/Anil,
ByreadingallthepostsaboveihaveoptedforApolloMunichRestoreoptimafamilyfloater,premiumquotedfor5lakhscoveragewasapprox.29K
formyself29yearsold,mothersage44andfathersage58.Againmyparents&myselfarecoveredundermyemployerspolicyfor2lakhs
coverage.
Myquestionisifmyclaimis7lakhs,caniget5lakhsfromApolloand2lakhsfrommyemployerspolicy?
whilehavingboththepoliciesifallmyclaimsareclaimedundermyemployerspolicyforfirsttwoyearskeepingmyApollomunichclaimfreeand
thenreapingthebenefitsofApollomunichaftertwoyearsisrightorwrong.
Ifallthreeofusfallillinthesameyearwillthefamilyfloatercancoverhowcanonebetacklingthissituation?
Exceptingyourvaluablecomments.Andthankstoallofyouforyourvaluabletimeandbeingsogeneroustohumanity.
ReplyLink

JitendraSolankiMarch19,2012,11:47AM
Barath,
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Firstlyyoushouldhavekeptyourparentspolicyseparateasthepremiumsinfloaterarealwayscalculatedoneldestmemberage.Also,tomorrow
whenyougetmarriedyouwillliketoincludeyourspouseandchildrensinthepolicy.Thenwithyourparentsyourpremiumswillbewayto
high.Ifyougoforstandalonepolicyforyourparentsatthattimeitwillbecountedasfreshandthebenefitswillbeaccordingtoyourparents
healthsituationatthatage.Henceitisalwayswisertohaveseparatepolicyforparents.
Youcanalwaysclaimfromyouremployerpolicywhileyourstandalonepolicyisrunning.However,whenyougoforclaimfromtwopolicies
thecompanycheckthegenuinenessofclaimandthenproceed.Theproblemwillarisewhenyouhavetosubmitbillsfortheclaimasall
companiesdemandoriginalbillsifyougoforreimbursement.Hencelookintotheseaspectsandthencontinue.Thereisnoharminrunningyour
standalonepolicyalongwithgroupinsurance.
Inafamilyfloatertheinsuranceamountcanbeutilizedincaseofeitherorallmemberhospitalizationexpenses.Thecaseyouhavementionedis
somethingrareandtodealwithanyofyourfamilyrelativeshouldbeawareaboutyourpolicy.
ReplyLink

anilkumarkoulMarch19,2012,8:50PM
DearBarath,Thksalotformentioningmynamealongwithhemantji&jitenderiamexcited&feelingencourged.Pl.dorecheckthepremium
calculationsofoptimarestoreactually29Kshouldbepremiumforurparentsonlysinceapollogivescoveruptoage21onlyinfloaterpolicyalong
with2adults.
Sinceyoualongwithyourparentsarehaving2Lcoverfromyouremployeerpl.noteyoushouldmentionpreviouspolicydetailsinnewproposalyou
wishtogofor.
allinsuranceworksontheprincipalofintimiditymeansinsurershouldnotprofitfromtheinsurance&yesyoucangetfull7lakhsclaimfromtwo
differentpolicies&insurancecoswillthemselvesshareaspertheirratioofclaim.
regardingtryingtokeepapollofromclaimsifarisedinfirsttwoyearsYesthatwillbemostsensibletodosinceyourbasicsumassuredwillbe
increasedby100%bythen.
toyourlastquestionthatifclaimwillariseforall3membersinfloterpolicyinsameyearfirstlyapollowillnotissuefloaterpolicyfor3members
mentionedinurmailbecauseofuragei.emorethan21butthenincasesuchathinghappenstheco.isliabletopayuptosumassuredonly.
ReplyLink

barathMarch19,2012,11:46PM
ThanksJitendra&Anilforyourvaluablecommentsasalways.
SorryfortheconfusionitwasOptimaRestoreIndividual,whereinmyself&myparentspremiumwerequoted@29Kfor5lakhscoverage.
Jitendra&AnilIwouldbetheproposertogettaxbenefitsunder80Dforthetimebeingtilligetmarried.Onceigetmarriediwouldexclude
myselffromtheabovepolicyandtakeafamilyfloaterwhichwillbetheidealoptionatthatpointintime.
Willtheaboveapproachcanhelpme?
ThanksonceagainJitendra&Anilforyourpreciouscomments.
ReplyLink

anilkumarkoulMarch22,2012,1:36PM
Dearbarath,indeedyouaregoingtomanageyour&urparentshealthinsuranceRisk&gettingdivedenttoointheformoftaxrebateu/s80Dnice
decision
ReplyLink

RaviKumarMarch25,2012,2:03PM
DearJithendar/amit.
Lotsofinsightsandhelp,fromyoupeople.Thanks
1)canibetheproposertomyfatherandmotherinlawshealthandhavethebenefitsofincometax.
2)Isitwisetohaveeg3lacsfrommaxbupaand3lacsfromapollo,insteadof1company!wasjustthinking.Pl.advise.
3)couldyouadviseonpremiumincreaseoverageslabs,from35yearsandabove,toarriveatadecisionofcostinthelongrun,whichishavinglower
premiumhikes?,maxbupaheartbeatorapollorestoreschemes.
thanksforyourtimeandanswers.
ReplyLink
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JitendraSolankiMarch26,2012,4:09PM
Ravi,
1.Youcanbecomeproposertoyourparentsbutnotinlaws.
2.Itisadvisableonlyifonecompanyisnotcoveringaspecificillnesswhileotheris.Restyoushouldkeeponepolicytosaveyourselffromany
futurehazzleassometimesclaimingfromtwocompaniesbecomescumbersome.
3.Youcandownloadbrochurefromthesecompanieswebsitewhichwillgiveyoupremiumratesandcompareaccordingly.
ReplyLink

SandeepMarch26,2012,1:28PM
HiJitendra,
CanyoupleaseconfirmthatApolloMunichOptimaRestorecoversMultipleSclerosisaswell?
Isthereanywaitingperiodforthisdisease?
FYIpatientageis32years,diagnosedwithMS3yearsago.
Thanks&Regards,
Sandeep
ReplyLink

JitendraSolankiMarch26,2012,5:29PM
Sandeep,
Noinfoonthis.Policywordingsdonotspeakofthisinjury.
Inanycasethiswillbecountedaspreexistingillnesswhichwillbecoveredonlyafter3yearsofwaitingperiod.Anyspecificexclusiononthis
canbeconfirmedonlyaftersubmittingyourproposal.
ReplyLink

NavdeepMarch27,2012,4:31PM
HiHemant,
Impressedbyyourpreciseanddesiredinfo
Iam30yrsmarried,wanttocoverMe+Spouse+6monthchildforSA3Lac.
KindlyadvisenewlylaunchedTataAIGMediPrime.
IsthisbetterthanApollo/Max/Royalintermsoffeatures?
PolicyBazarAgentissuggestingBhartiAxaduetocoverageofmaxcriticaldiseases.
ReplyLink

AmitMarch27,2012,8:22PM
HiJitendra,
Imlookingoutforahealthinsuranceformymother&sister.
MyfatherisalreadysufferingfromHepatitisCandcirrhosisofliver.
IamafraidthattheHCVinfectionshouldnothappenwithotherfamilymembers,whichiswhyImplanningtohavehealthinsuranceformom&
sister.
Canyousuggestmewhichpolicycansurelycoverhepatitisvirustreatmentaswell.
Ihavegonethroughalmostallpoliciesonthenet.OutofwhichApolloMunichoptimarestore/Maxbupaheartbeat/staroptimafamilyscoresthe
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highest.
Myprimaryneedsare:
1.Lessinitialwaitingperiod.
2.Noloadersonrenewal
3.CoverageforHepatitisinfections.
Thanks
ReplyLink

anilkumarkoulMarch27,2012,9:53PM
Dearnavdeep,allmediclaimpoliciesprovidescovertotheextendofsumassuredperyearbasisforalltypesofhospitalisationincludingcritical
diseases.
nowifailedtounderstandwhatdoescoverageofmaxcriticaldiseasesmeaninmediclaimpolicy.iguessyoumaybereferringtocriticaldiseases
riderwhichevenlifeinsurancecosareprovidingagainstpremiumloadwhichpayslumpsumamt.incaseanyofthespecifieddiseaseisdignosed.
GoingthroughalltheproductsofallcosisGoodeffordbeforebuyingButselectingtherightpolicyforyourneedsisthewisdomtakehelpfrom
financialplannerneartoyouforrightselection.
ReplyLink

AmitMarch28,2012,4:31AM
Pleaseguidemeaboutthebesthealthinsuranceformymotherandsister.
Myprimaryneedsare:
1.lessinitialwaitingperiod
2.Noloadingsatrenewalsincaseofclaimsmade
Maxbupaheartbeathas90dayswaitingperiodwhileitsHealth@companionhas30daysperiod.
Iwanttoknowthetruth.
ReplyLink

JitendraSolankiMarch28,2012,9:01AM
Amit,
Allpolicieshavemin30dayswaitingperiodinthefirstyear.Henceyoucannotavoidit.
FornoloadingatrenewalsyoucanalsoconsiderApolloMunichplans.Fromthesetwochooseonewhichbestmatchesyourrequirement.
ReplyLink

CarolMarch28,2012,12:56PM
HiJitendra,
Iam38yrsfemaleunmarried,IwishtotakeaHealthpolicyformeandmymotherwhois63years.Canyoupleasesuggestwhichwouldbetheideal
policyforus.
Thanks,
ReplyLink

JitendraSolankiMarch28,2012,3:10PM
Carol,
ForbothofyouApolloMunichwillbeagoodoptionasitgivescoveragetopeopleuptoageof65andthenyoucanrenewlifelong.Ifpremiumisnota
constraintthenoptimarestoreisalsoagoodbuy.OtherwiseyoucanoptforEasyHealthProductfromApollo.Theothercompanieswhichyoucan
considerareMaxBhupa&StarHealth.
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ReplyLink

A.GuptaMarch28,2012,10:27PM
MaxBupaHeartbeathas90dayswaitingperiod,whereasitHealthcompanionplanhas30dayswaitingperiod(accordingtobrochure)withno
additionalloadings.
Isthattrue???
HowwellisthesettlementratioofMaxbupaandApolloMunich.??
HowisTATAAIGwelsurance???isitgood?
ReplyLink

ArchanaBhapkarMarch28,2012,10:34PM
Hello
Jitendra,
Ineedsuggestionforhealthinsuranceformyfamily.
MyFather59yrshealthy,Mother50yrshypertensiveonmedication
Fatherinlaw62yrshealthy,MotherinlawDiabetictype2
Myselfage27yrshealthy,
consideringdiabetich/oforinlaws,iwouldliketogoforindividualpolicy.
formyparentsimayliketochooseinbetweenindividualorfamilyfloaterone.
Pleasesuggestmeindetailforsame..
thanks
archana.
ReplyLink

JitendraSolankiMarch29,2012,10:24AM
Archana,
ForyoruparentsyoucanselectfromApolloMunichorMaxBhupa.However,youmightfaceproblemsinyourmothercaseassomecompanies
donotcoverhypertensionatall.Itwillbecountedasapreexistingillnessandifcompanyisreadytocovertheymightincreasethepremiumby
loading.Hence,yourfatherwilleasilyavailthepolicybutinyourmothercasetheremightbesomedifficultiesduetothenatureofexisting
illness.
Similarly,foryourmotherinlawyoumighthavetogoforspecificdiabeticpoliciesavailablefromStarHealthorICICILombardasType2is
mostlynotcoveredingeneralhealthpolicies.Foryourfatherinlawyoucanoptforthecompaniessameasyourfather.
ForyourselfApolloMunichandMaxBhupacomesveryclosertomeetingyourrequirements.YoucanlookatEasyHealthproductfromApollo
ifcoveringpregnancyatlaterstageisoneofyourrequirement.
Inallcasesyouwillnotbeabletoavailafloaterastherearespecificillnesses.Henceyouwillhavetogoforindividualforallincluding
yourself.
ReplyLink

anilkumarkoulMarch29,2012,9:00AM
Deararchanaji,iwouldliketosuggestyouthatyoucancoverallabovementionedrelativesinsinglepolicyinmaxbupafamilyfirstwherewecanget
coverforallmembersinextendedfamily&ifyouwillbeproposaryouwillbeentiltedfortaxrebateofRs.35000=undersec80/D,ie,15kforur
family&20kforparents.maxbupamayprobablyissuethepolicyafterundertakingtests&waitingperiodexclusionsdependsonoutcomeof
tests.besidesthereisa20%copaymentclausesafterage65inmax.
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ArchanaBhapkarMarch30,2012,1:58PM
Hi
Jitendra/Anil,
Veryhappytoseeyourreplyhere.
Asperourbothofsuggestions,iwillsearchforrightproductforeachofus.
Thanksalotguysfordirectingmeinrightdirection.
Goodjobppl,keepitup&bestwishestouall.
Tellmewhatisyouranopinionaboutmedimange.Aretheyworthforcontactornot?
thanks&regards
archana
ReplyLink

JitendraSolankiMarch30,2012,3:57PM
Archana,
Compareproductfeaturesyourselfandthenbuyitfromanywhereitdoesntmatter.
ReplyLink

ArvindRPApril9,2012,3:19PM
HiJitendra/Hemant,ihavegonethrutheabovefeedbackanddidsomeonlineresearchandhaveaquery.Incasepremiumisnotaconstraint,which
policyisbetterapollomunichoptimarestoreormaxbupaheartbeat(forfamilyfloater).Especiallykeenthatthepolicyincludespregnancy.Thanks!
ReplyLink

JitendarSolankiApril9,2012,4:52PM
DearArvind,
OptimarestoredoesnotcoverpregnancyexpenseshenceyouwillhavetogoforMaxBhupaHeartbeat.
ReplyLink

NiyatAnjariaApril9,2012,8:29PM
HiJitendra,
I(31yrsold)amlookingtobuytheHealthInsurance(2adults+1child).Ihavepersonallybrowsedalmostallthecompaniesontheinternetbutnot
sureonwhichIshouldconclude.
ManyofpeopletoldmethatyouneedtooptonlyPSUlikeNewIndiaAssurance/Orientaletc,sincetheyatleastsettletheclaim,howevertheysaid
itsverydifficulttoknowabouttheprivatecompanies.
OverallIamimpressedwiththeApolloRestoreplan.Butconfusedastohowtheirclaimsettlementwouldbeinfutureandshouldigowiththemor
shouldigotoPSU?
AlsoIreadthatmanycompanieshikethepremiumoverandabovetheirageslab,soinsuchacaseiftomorrowcompanyraisethepremiumwith50%
thenwecanbeintrouble,isthereanycontrolfromIRDAonthat
AlsoifyoucansuggestwithwhichcompanyshouldIgoaheadHopeyouunderstoodwheremyconfusionis
Appreciateyourquickrevert,thanks
Regds,
NiyatAnjaria
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ReplyLink

JitendraSolankiApril10,2012,11:35AM
Niyata,
Thereisnoreasonwhyanyprivatecompanywillnotpayyouclaimifitisgenuine.Thisisamisconceptionasprivatecompanieshavebeen
betterincomparisontoPSUsinmanyrespectsincludingclaimsettlement.Moreovermanyprivatecompanieshaveaverylongexperiencein
healthcarewhichisitselfapositivefactorforpolicybuyers.
Withregardtoproduct,ApolloMunichrestoreisagoodonewhichyoushouldconsiderifitmeetsyourrequirement.Thepremiumsareconstant
foradefinedagegrouplike3540or4045.Onceyoucrossthisyourpremiumgetsincreasedandremainconstantfortheagegroup.Inbetween
insurancecompaniesreviewtheirpremiumratesandreviseitifrequired.Sincethisisastandardpracticeacrosstheindustryeveryonefacesthis
situation.
Donotstretchyourselfbypayinghigherpremiumsnow.Insteadbuyalowercovernowandenhanceitasyoursavingsincreases.Youcan
considertopupplansforincreasingyourcoverageastheyareverycheap.
ReplyLink

JubarajChoudhury,nDuliajan(Assam)April17,2012,12:10AM
DearJitendra/Hemant/Anil,
Iam40Yrsold,hypertensiveandonmedicationforthelast3yrswife34yrsandhaveundergonesurgeryforpregnancy,gallstone&Appendix
removalSon4.5YrsandDaughter3Yrs.
MyemployershaveownHospitalfacilitiesandalsohastieupwithotherHospitalsforreferraltreatmentforitsemployeeandtheirdependentsand
whenprovided,itisfreeofcostwithnoupperlimit.Butthetreatment,whetherlocalorreferralissolelydependsuponthedecisionoftheDoctorsof
theLocalCompanysHospital.
1)ShouldIgoforanyadditionalHealthInsurancePolicytocovermyselfandmyfamilymembersspeciallytocovercriticalillnessandaccidental/
traumatictreatmentcosttoapreferredsuperspecialtyhospitalofmyown?ifyes,pleasesuggestthebestway/Policyforthesame.
2)Alsomention,whetheritispossibleornottoclaimmedicalbenefitsfromtheinsurerevenifthetreatmentisdoneatEmployerscost?
ReplyLink

JitendraSolankiApril17,2012,10:27AM
DearJubaraj,
Standalonehealthinsuranceisalwaysadvisableevenifyouarecoveredunderanyemployerscheme.Oneofthereasonisthatthewidehospital
networkwhichcompanieshave.
Wrt.yourillnessi.e.hypertension,mostcompaniesdonotcoveritandsoyoumightfacedifficultyinavailingplanforyourself.Evenifany
companyiscovering,itmighthavealongwaitingperiod36yearstostartcoverageforthisspecificproblem.Inyourspousecaseshehas
recentlyundergonesurgeryandeitherthecompanymayexcludesomepermanentlyoryoumayhavetoshellahigherpremium.
Foryourchildrenyoucancoverthemwithanyhealthinsurancecompany.ApolloorMaxBhupaareconsiderable.
Ifyourtreatmentisdoneatemployercostthenyoucannotclaimitfrominsurer.
ReplyLink

JitendraSolankiApril17,2012,10:25AM
DearJubaraj,
Standalonehealthinsuranceisalwaysadvisableevenifyouarecoveredunderanyemployerscheme.Oneofthereasonisthatthewidehospital
networkwhichcompanieshave.
Wrt.yourillnessi.e.hypertension,mostcompaniesdonotcoveritandsoyoumightfacedifficultyinavailingplanforyourself.Evenifanycompany
iscovering,itmighthavealongwaitingperiod36yearstostartcoverageforthisspecificproblem.Inyourspousecaseshehasrecentlyundergone
surgeryandeitherthecompanymayexcludesomepermanentlyoryoumayhavetoshellahigherpremium.
Foryourchildrenyoucancoverthemwithanyhealthinsurancecompany.ApolloorMaxBhupaareconsiderable.
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Ifyourtreatmentisdoneatemployercostthenyoucannotclaimitfrominsurer.
ReplyLink

ASHOKKUMAR.KOTTETIApril22,2012,1:37PM
Hisir
RecentlyigottoknowthatMycompanyisnotprovidingmedicalcovertomyparentssincethenIamthinkingtobuyamedicalinsuranceplantomy
parents.Kindlysuggestmethebestplaninthemarket,myparentsageare54and44.
Regards
Ashok
ReplyLink

JitendraSolankiApril23,2012,9:30AM
Ashok,
YoucanconsiderAppolloMunichEasyHealth&MaxBhupaforyourparents.Bothhavegoodfeatures.PremiumwillbehigherinMax.
ReplyLink

VivekKApril23,2012,10:24AM
Youmaycontactmedimanage.com.Iavailedtheirservicesandfoundthemquiteprofessionalandtheyprovideunbiasedadvise.Theydonot
chargeanythingextratothecustomers.
ReplyLink

nehaMay11,2012,10:41AM
HiSolankiji,
Iamnewtobuyinghealthpolicyaswehadstayedabroadandhaverecentlycomeback.Iam35yearsoldandmyhusbandis33yearsoldwhohashis
ownbusinessandwehave62yearoldmotherinlaw.Iamlookingforapolicywherewethreecanbecoveredbetterwayorleastwebothhusband
wifehaveahealthpolicy.
Iamconfusedbetweenmaxbhupaandapollomunichoptimarestore.ThoughIhadselectedoptimarestorebutrecentlyIhadbeenreadingitspoor
servicesufferedbyconsumersinplaceslikemouthshutetc.websites.
KindlysuggestusahealthinsurancepolicyinIndiawhichhasgoodpremuimratesaswellasgoodservicelater.Iwouldbegratefultoyou.Also,is
individualpolicybetterorfamilyone?
thanks
ReplyLink

JitendraSolankiMay11,2012,12:44PM
Neha,
Casesoflapseinpolicyservicesarethereinallcompanies.Still,companieslikeApollo,MaxBhupafarebetterthenotherplayers.Onegood
pointwithApolloisthattheyhaveaghistoryinHospitalitysectorandthatswhytheyareabletoimproveupontheirservices.Productfeatures
andpremiumarealsoverycompetitive.Soiwilladviseforthesecompanies.
Withregardtothepolicy,iwilladviseyoutokeepmotherpolicyseperateasinfloaterpremiumiscalculatedoneldestmemberagewhichcan
becostlyifyoucoverallthreeinasinglepremium.Alsoyouandyourspousewillhaverequirementoffeaturesdifferentthanyourmother
.Hencebuyanindividualpolicyforyourmotherasriskofillnessarehigherinhercaseandanyclaimwillaffectthepolicy.
Foryouandyourspouseyoucangoforindiviudalifpremiumisnotconstraint.Lateryoucanincludeamemberineitherpolicieswhichisa
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featureinApolloMunich.
FeaturewiseApolloproductsaremostcompetitiveandpremiumsratesarealsocompetitive.IfyouhaveanypremiumconstraintthengoforEasy
HealthfromApolloMunichinsteadofrestore.Checkpolicywordingsandseeifitmatchesallyourrequirement.Lookespeciallywaiting
periods.e.g.inApolloPoliciesthematernityexpenseisgivenaftersixyearswhileinMaxBhupaitisaftertwoyears.Onceyouareconvincedon
allparamaterswhichmatchesyourrequirementsbuytheproduct.YoucancomparewithMaxBhupa.
ForyourmotheryoucanconsiderRestore.Althoughthepremiumwillbehigh.TheotheroptionwillbeEasyHealth.Seniorcitizenpoliciesare
therebuttheyhavehighsublimitsandmaximumSAlimitwhichrestrictstheamountofclaimyoucanreceive.StarHealthandBajajAllianz
havetheseproduct.
Hence,identifyyourrequirementsandthenselectaproduct.
ReplyLink

nehaMay11,2012,3:14PM
Thanksforthequickresponse.Ilikedapollomunichpoliciesbuttheconsumerscomplaintsregardingthecompanysresponsetimeandefficiency
whentheindividualactuallyrequiresit,istheonlydeterrent.
Also,formeandmyspouse,anindividualpolicyof5lakheachisbetterthatthanthefamilyfloaterof10lakh?
ReplyLink

JitendraSolankiMay11,2012,3:32PM
Neha,
Asisaidthereareissueswitheachcompanyandhenceitsdifficulttojudgeonlyononeparameter.Butoverall,Apollohasfaredwellincluding
claimprocess.ThereasonbeingtheirstrongunderwritingwhichIfeelisgoodforconsumersduringclaim.
IncaseyouarenotsatisfiedthenyoucanconsiderMaxBhupa.
Yes,anindividualofRs5lakheachwillbebetter.
ReplyLink

REVEALMay12,2012,12:55PM
Hello
Iam39,single
IamhavingaMediclaimofRs3lakhsfromApolloMunichHealth.Ihavealreadycompleted2yrsandhavereneweditforthe3rdyrItisEasy
HealthIndividualExlcusiveSofarIhavenotclaimedthecoverasIhavenotbeenhospitalized
CanIswitchthispolicytoOPTIMARESTOREfromEASYHEALTHINDIVIDUALEXLUSIVE
WoulditbeadvisabletoswitchtoOptimaRestoreseeingthebenefitsorEasyHealthisokforme
IfIswitchdoIhavetostartfromzero(aspreexistingdiseasesetcarenotcoveredfor3to4yrsand1monthisawatingperiod).
Plsadvise
HaveaNiceDay
Regards
ReplyLink

JitendraSolankiMay12,2012,1:14PM
Reveal,
Easyhealthindividualexclusiveisagoodproductandyoushouldcontinuewithit.YoudohaveanoptionofswitchingfromApolloEasyHealth
toOptimaRestorebutsinceyouarealreadyreapingthebenefitsnowcontinuewithyourexistingplan.
ReplyLink

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REVEALMay12,2012,5:01PM
DearJitendra
Thanksforreplyandsuggestion
ButIqueryisSupposeIswitchtoOptimaRestorefromEasyHealthExlusivewhatdoIstandtoloose
AndWillthisOptimaRestorestartfromzeroandIwillhavetogoalltheformaliteslikewaitingperiod,preexistingdiseasesetcorit
willbecontinued.
PlsClarify
Regards
ReplyLink

REVEALMay12,2012,5:04PM
DearJitendra
Thanksforreplyandsuggestion
Ifsomeonedecidestoswitchdoesheorshehastoagaingothrualltheseformalitiesanewinsuredgoesthru..orcanhereapthebenefitsbychanging
hisplan
PlsClarify
Regards
ReplyLink

JitendraSolankiMay14,2012,1:48PM
Reveal,
Yes,youcanswitchfromApolloEasyHealthtoRestoreandyourbenefitswillalsogetscontinue.However,ifrestorehassomeexclusionof
benefitswhichispresentineasylikelikematernityexpenses,youwillnotbeabletoavail.Thisyoushouldtakenotice.
ReplyLink

MANISHGERAMay29,2012,11:08AM
Hi,
IhavetakenaHappyfamilyFloaterpolicyfromTheOrientalInsuranceCo.Ltdfromlasttwoyearsformyselfandfamily(wife,son,motherand
father)anditisbeingcontinuedinthirdyearsalso.
IhavetooperatemyfatherforCataractsoperation,isitpayableunderthispolicy.
FurthercaniswitchmyexistingpolicyintoApolloMunichPolicyandhowitwork,whatwillbethebenefitsandexclusionifitswitches.
Thanks,
ManishGera
9654500000
ReplyLink

JitendraSolankiMay29,2012,12:35PM
Manish,
Cataractisgenerallycoveredaftertwoyearsacrossvarioushealthinsurancepolicies.Youcancheckinpolicywordingsoftheproducttoknow
whatisthewaitingperiod.
YesyoucanswitchtoApolloMunichbutcontinuationofbenefitswillbedecidedbythecompanywhichyouwillbeabletoknowduring
portabilityprocess.StillyoucanshowyourpolicydocumentstoApolloMunichtoknowwhatgeneralfeaturestheywillcontinue.Benefitsonany
specificillnessyouwillcometoknowonlyafteryourapplicationisprocessed.
ReplyLink
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AjitMay29,2012,3:18PM
Firstly,thanksforsuchanicearticle!
IhavequickdoubtsregardingOptimaRestore
*IsitpossibletoclaimmultipletimestillyouexhaustyourSAforanyear?ItcanbebasicSAorSAafterMultiplybenefit.
*WhatisthemeaningofRestorecannotbecarryFWD?i.e.IfIdonotuseRestorefeatureinparticularyear(sayusing5Lthroughbasicand5L
throughrestore),nextyearSAwillremain5Landrestore5Landbasicwontbe10L.Ismyunderstandingright?
*AmnewtoHealthInsurance.WouldliketoknowwhatisexactlyTopUpsare?Ihave5Lfamilyfloaterformyself,wifeandkid(2.5years).Now
planningtobuyadditionalindividualOptimaRestoreforwifeandmyself.(Ihave3LfamilycoverfromEmployeraswell).ShouldthisTopupbe
boughtrightnoworlater?
*Iheard(inoneoftheCNBCprogramme)thatthepolicywillelapseifyoutakecitizenofothercountry(orsomethingonsimilarline).Whatisit
exactly?Ifyougoonbusinessopportunityforfewyears(say5)andcomebacktoIndia.WillthePolicycontinue(withassumptionthatallrequired
Premiumsarepaidtowardsrenewal).
Kindlyrequestyoutopleaseguide.
Thanksinadvance
ReplyLink

JitendraSolankiMay30,2012,10:56AM
Ajit,
1.Inanyhealthinsurancepolicyyoucanclaimmultipletimesuptotheeligiblesumassured.
2.Restorecannotbecarryforwardmeansthebenefitisavailableforonlyoneyear.Ifyoudonotutilizedittheamountisnotaddedtoyour
insurancenextyear.Whatyouhavecalculatedisright.
3.TopUpsarehealthpolicieswhichgivecoverageoverandaboveathresholdlimitwhicharecalledasdeductibles.Soifthereisa10Lpolicy
withR3ldeductible,thepolicyclaimwillstartonlywhenyouhaveexhaustedtheR3lakhlimiteitherfromhealthinsurancefromanycompany
orthroughcash.Themajorbenefitofthesepoliciesarethattheirpremiumsareverylow.
4.IfyourpayingpremiumsontimethepolicybenefitswillcontinuebuttheclaimsareapplicableonlyinIndia.EvenNRIscalalsotakehealth
policiesforclaiminganyhospitalizationexpensesinIndia.
Ihopethisansweryourqueries.
ReplyLink

AjitMay30,2012,12:56PM
DearJitendra,
Thankyouforclarifications.Justincontinuation
(3)IsOptimaRestorefallsunderTopUps?Ordotheyprovidesimilarmechanism?Currently,IhaveFamilyFloater5Lbutplanstobuy
5Leachformyselfandwife.ShouldIjustbyIndividualOptimaRestoreorTopUps?Whatyousuggest?
(4)IwasreferringOptimaRestorePolicy.Doesithasanyclause/conditiononForeignTravelorCitizenship.Icouldnotfindanythingof
thatsortinPolicyWordings.WillthisPolicybecontinueifIhadtobeinanothercountryfor5years.IknowthatClaimswillbe
applicableonlyinIndiabutotherthanthat,isthereanyotherrestrictionbywhichOptimaRestorepolicywillgetELAPSE?AsI
mentioned,IheardsomewherethatinthesesituationOptimaRestorepolicywillnomorevalidforProposer
HavealmostfinalizedonOptimaRestore.Thesefinaldoubtswillmakemydecisionconcrete.
Thankyouagainforyoursupport!
ReplyLink

JitendraSolankiMay30,2012,3:24PM
Ajit,
1.Topuparesurelycheaperbutcompanieswhichhavecomeouttheseproductshaveveryhighsublimitswhichareapplicableto
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thesealso.Hence,ifpremiumisnotaconstraintthenRestorewillbeagoodoption.
2.Evenifyoustayabroad,youcankeeprenewingyourpolicy.SinceHealthpoliciesareissuedtoNRIsalsothecontinuation
shouldntbeaproblemformakingclaiminIndia.However,differentcompaniesmayhaverulesregardingthiswhichyouneedto
checkwithrespectivecompany.ApolloissuepoliciestoNRI.
ReplyLink

AjitMay30,2012,6:26PM
Thanks,Jitendra.
Whataboutthiscase
*Policy(OptimaRestore)istakenasIndian
*OnegoesoutofcountryandgetCitizenshipthere.
*OnereturnsbacktoIndia
*Onegetsillandhospitalized
*Heclaimsforthis(assumption:AllpremiumsarepaidontimeandPolicyisrenewedperiodically)
IncaseofOptimaRestore,wills/hebeinapositiontosettletheclaim?
Canyoupleasethrowsomelightonthisaspect.
Thankyouasalways
ReplyLink

AjitMay31,2012,11:20AM
DearJitendra,
Anotherthing,ifIhavefamilyfloaterfor5LfromICICI,andindividual5LfromOptimaRestore,andIhavetoclaim
8L.Howdoesitwork?CanIseamlesslyclaim5LfromOptimaRestoreand3LfromICICIforsamehospitalization
case.
Yourguidancewillbeimportantasalways.
Thankyousomuchforeverything!
ReplyLink

JitendraSolankiMay31,2012,1:50PM
Ajit,
Inthiscasethecompanieswillpayyouthetotalclaimbutproportionately.Howmuchwilleachcompanypays
willbedecidedonceyouhavesubmittedyourclaimwiththem.
ReplyLink

JitendraSolankiMay31,2012,1:48PM
Ajit,
ThereisnoboundationoncontinuationofpolicyevenifyoubecomeanNRI.Ifyouhaverenewedyourpolicyevery
yearyouwillbeabletoavailbenefitswhenyoucometoIndia.
ReplyLink

MANISHGERAMay29,2012,5:08PM
DearMr.Jitender,
Thanksfortheupdate!.
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kindlyletmeknowanyadvisor/agentno.forfurtherportabilityprocessing.
Regards,
Manish
ReplyLink

JitendraSolankiMay29,2012,7:46PM
Manish,
Whichlocationyouarefrom?
ReplyLink

KanhaiyaMay30,2012,5:29PM
DearHemant,
Reallylikedyourarticle.Justneedyouropinion.IaminMetro,Age29Year,Spouce:28Year&Child:<1year,lookingforaMedicalcover.Iam
lookingattheoptioninApolloOptimaRestore.
OptionI(3lacs)
IndiviualcoverforOneAdult+
FamilyFloaterforOneAdult&OneChild
OptionII(5lacs)
FamilyFloaterCoverforTwoAdult&OneChild.
Whichonewillbebetterasperyouinmycase.
Also,wanttoknow,incaseofFamilyFloater,iftheeldermemberinthepolicydies,thatwhatwillhappentothepolicy?
ReplyLink

JitendraSolankiMay31,2012,1:13PM
Kanhaiya,
Thefirstoptionwillbemoresuitableasitgivesyoumorecoveragefortheentirefamily.
Generally,iftheeldestmemberdiesthenpolicycanberenewedbytransferringtothenexteldestmember.ThisisinApollo.Butstilltheremay
bedifferentrulesinrespectivecompanieswhichyouwillhavetoconfirmwiththem.EspeciallyinPSUwherepolicyceasesinsuchcases.Hence,
whichevercompanyyouaveboughthealthinsuranceconfirmfromthem.
ReplyLink

adityaJune5,2012,11:17AM
Hi,Iwanttotakehealthpolicyformyparents,Age64and62for3lacSAeach.
Pleasesuggestthebestpolicy.
ReplyLink

SuneelaJune18,2012,7:17PM
Hi!Iwouldlikesomeinfotohelpmechoosehealthinsuranceproducts.Mymotheris65yearsold.ShouldIgoforindividualcoversforbothor
shouldIoptforafloatercover.IamlookingatacoverofRs.15Lacseach.IamconsideringApolloMunichOptimumRestoreandMaxBupa.Which
oneshouldIgowith?
ReplyLink

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JitendraSolankiJune19,2012,12:27PM
Suneela,
Itsadvisabletogoforindividualcoversasyourmotherageishigh.Infloaterpoliciesthepremiumsidecidedontheageofeldestmemberwhichis
disadvantageoustoothersiftheageistoohigh.
MaxBhupahascopaymentclauseafterage65whichmeanspartofeveryclaimyouwillhavetobearyourself.ThisisnotthecaseofApolloMunich.
Hence,youwillhavetocomparebothproductsandlookatyourrequirement.Goodtoreadthepolicywordingswhichwillgiveyoutheexclusionsin
details.Gofortheproductwhichbestmatchesyourneeds.
ReplyLink

SuneelaJuly23,2012,1:20PM
ThanksJitendra
ReplyLink

AtifJune26,2012,7:50PM
MrJitendra,
Appreciateyourgoodwork.IamworkinginITandhavecompanyprovidedinsuaranceformeandmyfamilyincludingmyparents.Buttomorrowifi
leavethiscompany,howcanicontinuewiththesamecompany.Alsoafterpayingthepremuiumihaveleftmyearliercompany.
IamalsoplanningtooptforAppolloMunicrestorepolicyaftergoingthroughmostofyourcomments.
ThanksAgainandWishyoualltheBest!!KeepupthegoodWork.
ReplyLink

JitendraSolankiJune27,2012,1:06PM
Atif,
Youcanportyourgroupinsurancepolicytoastandalonepolicywithsamecompanynow.Afterayearyoucanchangethecompany
also.However,donotethatthefeaturesofastandalonepolicywillvaryfromagrouppolicyandyoumaygetreducedbenefits.Checkwiththe
companyandthenmakeadecision.
ReplyLink

SushmithaJuly4,2012,10:30AM
Hi,thanksforallthevaluableinformationandalsoreplyingtoeachquery.TheApolloMunichwebsitementionsthepossibilityofloadingofupto
150%atthetimeofrenewalofpolicyincaseanyillnessisdetectedduringthetermofpolicy.AsfarasIhaveseen,MaxBupadoesnothavesucha
policyofintroducingloadingatalaterstage.Whatisyourviewofthistypeofloading?Shoulditbeamajorfactorwhiledecidingonhealthinsurance?
ReplyLink

JitendraSolankiJuly6,2012,10:04AM
Sushmita,
AlthoughApolloMunichdonotputaloadinginmostofitspolicies,thisisonlyafeature.Ifacompanyfindsthatclaimsareveryhighand
frequentorsomeillnesswillresultinveryhighclaimsinfuture,itcanhavealoadingduringrenewal.Itisoneofthefactorbutnotacriteriafor
selecting/rejectinganycompany.Hastobelookedwithotherbenefitsandyourfamilymedicalhistory.
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ReplyLink

BinaJuly9,2012,9:55PM
HiJitendra,
Amquiteimpressedwiththerightadvicesyouhavebeensharingonhealthinsurance.Iamonlookoutofbuyingahealthpolicyformyselfandmy
sister.themoreigointoallthedifferentcompanyoffers,moreconfusediam.Pleaseletmeknow
1.Arethepermanentexclusionssameinallinsurancecompanies?
2.ifindapollomunichsoptimarestorequitesuitable(am42yrs).
3.Parkinsonsandalzhmierisanexclusioninoptimarestore,isitthesamewithothercompanies?(isitaddressedasmentalornervousconditionsin
otherpolicy?theyhaveusedthatterminologywhereasapollohasspecificallymentionedintheirpolicywordings.
itsurgent
yhx
ReplyLink

JitendraSolankiJuly10,2012,9:57AM
Bina,
1.Mostlytheexclusionsaresameacrosssamecategoryofproducts..Somemaydifferinveryspecificproductslikeifanyproductislaunched
withlesswaitingperiodforpreexistingillnessormaternityexpense.
2.ApolloMunichrestoreisagoodproductwithitsuniquefeatures.However,youneedtoconsidersomeexclusionslikeyoucannotaddacritical
illnessriderhereoryoudonotgetafreemedicalcheckupfacilityeverythirdyearunlikeyouhaveinExclusionvariantofApolloEasyHealth.
Ifyouareokwiththeseexclusionsthengofortheproduct.Overall,RestoreisanenhancedversionofApolloMunichEasyHealthStandard
variant.GoodifyoucomparefeatureswithExclusivevariantandthentakeadecision.
3.Healthinsurancecompaniesgenerallyexcludementaldisorders.Anyillnessrelatedtothisisnotcovered.Althoughcompaniesdonotname
specificillnesslikeApollodidoneshouldgetclearfromcompanywhatisspecificallyexcludedtoavoidanydissatisfactionduringtheclaim.
Ihopethisanswersyourqueries.
ReplyLink

BinaJuly9,2012,10:00PM
ok
ReplyLink

binaJuly11,2012,11:11PM
ThankyousomuchMr.Jitendra,
Iwanttoknowifinoptimarestoreimakeaclaimin3yr,(withaSIof5lakh,andmultiplierbenefitmySIwillbe10lakhin3yr)assumingimakea
claimfor2.5lakhforheartattack,iwillbeleftwithsiof7.5lakhforanyotherillnessforthatparticularyear.myquestionis:
1.willtherebeanyloadingonpremiumbecauseofclaimof2.5lakh?
2.Againinthesubsequentyearie,4thyriget2ndheartattack,whatSIiwouldbeleftwith
Iwastoldbyamaxbuparepthatonthefaceofitoptimarestoresoundsverygood,buttherearelotofcomplicationsasthisrestorebenefittwists
certainissuesofSIandthereisaindirectloadontheinsured.
pleaseguide
thx
wouldalsobeniceifyoucansuggestanypolicyforindividualof42yrswithcheaperpremium,butwithoutroomrentlimits(nosharedhospital
accomodation)
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awaitingreply
ReplyLink

JitendraSolankiJuly12,2012,10:31AM
Bina,
1.IfanyclaimarisesthentherisnoextraloadingofyorupremiumbutNoclaimbonusyouhaverecievedisreducedby50%.Fore.g.ifyour
BasicSAisRs5lakhanditgoesuptoRs10lakhdueto100%bonusin2claimfreeyear(Notduetorestorebenefit),aftertheclaimyourSA
willreducedto7.5lakh.Thereisnoeffectonyourpremiumamount.However,YourSAwillnotbebelowRs5lakhiftwoclaimarisesin
continoustwoyears.Butifthereareanyfurtherclaimsthencompanymaytakeadecisiontoincreasethepremiumconsideringthehighnoof
claimswhichifeelisjustified.
2.Everytermsarementionedinpolicywordingsandifeelanyagentwhoismakingsuchaclaimshouldbeabletotellyouwheretheflawis.Still
ifanydoubtspersiststhenyouhavesuchforumsorcancallupthecompanycallcentretoverify.Apollodoeshavegoodserviceinthatregards.
Ihopethisansweryourqueries.
ReplyLink

BinaJuly12,2012,12:27PM
Thankyousomuch.certainlyappreciatethepromptresponsefromyourside.
thx
bina
ReplyLink

GauravJuly16,2012,3:09PM
DearJitendra,
Thankyouforaveryluciddescriptionoftheproduct.
AquestionIwasreviewingtheIRDAannualreportandfoundthenetprofitofApolloMunichforpastyears201011,200910tobeinthered.This
maybebecauseofthefocusofApolloMunichonhealthinsuranceonlyandincurredclaimsratio.Shouldthisbeafactorinthedecisionmadefor
buyinghealthinsurancefromacompany?
Thanks.
ReplyLink

JitendraSolankiJuly17,2012,10:07AM
Gaurav,
Therecanbemanyreasonsforcompanyincurringlosses.LookatPSUgeneralinsurerswheregroupinsurancebusinessiscreatinglossesfor
them.Anycompanywhichsinewtotheinsuranceindustrytakestimetobeinprofits.Lifeinsurancetookalmost10years.SimilarlyHealth
insurancewillalsotake.Hence,itcanbeacriteriabutyouneedtollokmoreintoreasonforlossesthenonlythisfactorwillhelpyouinjudging.
ReplyLink

rajkumarJuly16,2012,9:39PM
ihavetakenhealthinsuranceapllomunichon13feb2012ididnttoldallreadyiamhavingpreexistingdisease,nowiwanttochangeinapllorestore
.canichange,theyaregiving3yearscontinousrenevalafterthattheycoverpreexistingdisease,uptofeb2013myfirstrenevaloverscanicontinoe
withthisinsurancepleasegivemesugestions
ReplyLink
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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JitendraSolankiJuly17,2012,10:10AM
Rajkumar,
Firstlyifyouhaventdiscloseyourpreexistingdiseasethencompanyhasarighttorejectyourclaimifarises.Thisistreatedassuppressionof
facts.
Portabilitywithingappollopoliciesisavailable.
ReplyLink

PavanKumarJuly21,2012,1:29PM
IamplanningtobuyaLICPolicykindlysuggestmewhichisthebestpolicyforme.
MyDetailsare
Age:31Yrs
MartialStatus:Married
Child:1
ChildrenAge:1.5Years
AnnualSalary:3,00,000/
ReplyLink

SuneelaJuly23,2012,10:29AM
Hi!Iamevaluatinghealthinsurancepolicyformymotheraged65.Plssuggestagoodhealthinsurancepolicyforher.Thoughsheiscoveredundermy
companyshealthinsurancepolicyIwouldliketotakeanadditionaloneforher.Alsokindlysuggestagoodpolicyfora39yearssinglewoman.
Thanks
ReplyLink

JitendraSolankiJuly23,2012,10:45AM
Suneela,
YoucangoforApolloMunichEasyHealthwhichgivescoveragetopeopleuptoage65.Thenyouwillhavelifelongrenewal.AlthoughMax
Bhupahasalsosimilarcriteria,ithasacopaymentclauseafterage65.
ThepremiumwillsurelybehighincaseofApolloMunich.ThesecondbestoptionyouhaveisSeniorCitizenPoliciesfromcompanieslikeStar
Health.
ReplyLink

vivMay26,2013,9:52AM
HiSuneela,
wouldyoupleasesharewhatyouhavefinalizedasiamalsoinsamesituation.
manythanksinadvance.
Viv
ReplyLink

SuneelaJuly23,2012,1:24PM
Hi!Jitendra,
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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WhatisyourviewonUnitedIndiaInsuranceorNewIndiaAssurancecomparedtoApolloMunichorMaxBupaorStarHealth.Ihavenoticedthat
mostofourorganisationsoptforUnitedIndiaorNewIndia.Aretheyrecommendedforanindividualortheygivebettertermstoorganisations.
Thanks
ReplyLink

JitendraSolankiJuly23,2012,9:32PM
Suneela,
PSUshaveaverystrongpresenceingroupinsuranceandsotheymaintainagoodrelationshipwithcorporates.Grouppoliciesgenerallyhave
higherbenefitsthenindividualpolicies.Manycompanieslikethetwoyouhavementionedremoveallsublimitsinissuingpolicyto
corporates.Hencepoliciesfromyouremployerwillalwaysbeattractive.
Thisisnotthecasewithindividualpolicieswhereallsublimitsareapplicable.Theexclusionsarealsohigh.
Butgrouppolicieshavetheirdisadvantagestooandialwaysrecommendtohaveastandalonepolicy.Youcancomparethefeaturesandthen
makeadecision.
ReplyLink

BinaJuly23,2012,10:21PM
HiMr.Jitendra,
Iwouldliketoknow:iftherehasbeenaCystsurgery,intheyear2000,andin1997.Bothtimesithadbeenbenign.Asperapollooptima,policy
wordingsandproposalform,wehavetomentionanysuchprevioushealthconditions4yearspriortothecommencementofthepolicy.Thesesurgeries
havebeendonemorethan12yrsand15yrs.rightnowthereisnoproblem.Myquestionis:
1.doweneedtomentionthisthoughthisdoesnotfallunder4yearsperiod?
2.Bymentioningthiswilltheyexcludetheparticularsurgery,alongwithcorealteddieases?
otherthantheabovethereisnonegativehealthcondition/fitinallaspects.
Pleaseguideitsreallyurgent.
thx
Bina
ReplyLink

JitendraSolankiJuly24,2012,9:53AM
Bina,
Itsalwaysadvisablethatyoumentionyourmedicalhistory.Inonesuchcaseoneofmyclienthasanaccident15yearsbackduetowhichhehad
aprobleminspinalcord.Althoughherecoveredfully,ApolloMunichexcludedanyclaimarisingduetothespinalcordproblem.
ApolloMunichhasverystrongunderwritingandpermanentexclusioncanbethere.Butyoushouldmentionitintheproposalform.
ReplyLink

AshishJuyalJuly24,2012,10:35PM
DoesMaxBupaFamilyFloatercoversCriticalIllness
ReplyLink

anilkumarkoulJuly25,2012,9:18AM
Dearashishjee,Everyhealthinsuranceco.coverscriticalillnesstotheextendofsumassuredperannumbesidestheCIridercanalsobetaken
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separatelywhichevenlifeinsurancecosarealsoprovidingwhichpayslumpsumfixedamountondetectionofspecifiedDiscease.
ReplyLink

SushmithaJuly27,2012,11:35AM
Hi,Ihaveobservedthatintheearlieryears,thepremiumbetweenApolloandPSEinsurancecompaniesaresimilar,butinlateryears,suchas46years
onwards,thepremiumforApolloisfarhigher.Thepremiumis25%to30%higherinthelateryears.Forafamilyof2(floaterpolicy)andwithRs3
lakhcover,OrientalspremiumisRs6011fora35yearold.ThisgoesuptoRs9483attheageof55.WithApolloEasyHealthStandard,thepremium
goesupfromRs5267(35years)toRs12448(55years).Willappreciateyourcommentsonthis.Thanks.
ReplyLink

JitendraSolankiJuly27,2012,12:39PM
Sushmita,
IfyoulookatthefeaturesallmajorPSEhassublimitsintheirproducts.Whichmeansyoucanclaimuptoacertainamountonlywhichfalls
withinthelimitsimposedbythecompany.Apollodoesnothaveanysuchlimitsandyougetthefullclaiminmostcases.Atyoungerageriskif
illnessislessandsoApollochargesalesserpremium.Nowastheageincreasestheprobabilityofillnessincreaseswhichmeantheriskforthe
companyofgettinghighernoofclaimswillincrease.ForPSEsduetosublimitsthechancesofhigherpayoutsareless.ContrarytothisApollo
chargesahigherpremiumbecauseitdoesnotimposeanysublimitsduetowhichtheclaimpayoutswillalwaysbehigher.Asacompanythis
maybecomealossmakingpropositionafteracertainperiodifhigherfeaturesareprovidedwithinsamepremiumasPSEs.
ReplyLink

NaveenChandraNarayanaAugust4,2012,5:37PM
HiJintendra,
Thatsaquiteainsightyouhaveprovided..Ihavethesamequestionhereasmanypeoplehavealreadyasked.
Im35yrsandmywifeis31..marriedforyearandhalfnowtilldateiwasworkingforachannelsothemediclaimwasprovidedbythecompany..
nowimonmyownandimplanningtotakeamediclaimforwhichineedyourexpertadvise..ihadachatwithaagentwhopresentedmeboth
ApolloMunichOptimaandMaxBhupa,myquestionisverystraightwhichisbetterasihavetopaypremiumofRs.8500/for3lakhs@maxbhupa
whereasinApollomunichihavetopayRs.6700/for5laksh..whichhasleftmeconfusedthatwhichoneisbetter..secondlyweareplanningtohave
childnow..canyouadvisewhichoneweshouldwegofor.Alsosuggestifthereissomethingbetterorsimilar.
Thanks&Regards
Naveen
ReplyLink

SandeepAugust7,2012,10:33AM
Iamsandeep,ihavetakentheMediclaimpolicyfromGHPL(GoodHealthplan)ofUnitedindiainsuranceco.Ltd.infeb2010,butnowtheystarted
oneclausethatpatienthavetogiveupto30%ofclaimamounttocompany.soiwanttoswitchtoanothercompany.iwantedthatmyparentwillalso
getthebenefit(theirageis<60),ifanycasetheywillnotincludemyparentinmypolicythananypolicywhowillincludepregnancy.
Pleaseguidemeforthis.
Sandeep
Faridabad
ReplyLink

JitendraSolankiAugust8,2012,9:39AM
Sandeep,
Ifyourparentsarebelowage60thenApolloMunichEasyHealthisagoodchoiceasitdonothavecopaymentclauseevenathigherage.Once
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youhavetakenthepolicyyoucanrenewitforlifetime.
Forcoveringpregnancy,apartfromMaxBhupamostpolicieshaveawaitingperiodof34years.OnlyMaxBhupahaslesswaitingperiodof2
yeari.e.youcanclaimforthisaftercontinuingyourpolicyfor2yearswiththem.
ReplyLink

SandeepKatyalAugust17,2012,1:35PM
Cananyonecometomyresidenceonsundayforfurtherdiscussion,clearingmydoubtsandforfinalizingthepotablityofmypolicy.
SandeepKatyal
9811486831
ReplyLink

anilkumarkoulAugust8,2012,8:03AM
Dearsandeep,youbetterswitchtomaxbupaforyourself&apollomunichforurparents(ifhavingnocomplications)maxbupacanofferpregency
claimafterjust2yearsofwaitingperiod&Apollowillpayallclaimamountuptosumassured.
forfurtherdetailsyoucandropinourofficewhichincidentallyisinfaridabad.
ReplyLink

sandeepAugust8,2012,11:10AM
Myparentsageisabove60,andhavecomplications,sotellmewhichisthebestpolicyincashless,postclaim(whowillgivethe100%
reimbursementofexpensesoccurredinnext2monthafterthedischargeofthepatient),whowillnottakeanyextrachargesatthetimeof
treatment.
Pleasesuggest.
ReplyLink

JitendraSolankiAugust8,2012,12:20PM
Sandeep,
Itsdifficulttogetapolicywhichcangive100%reimbursementathigherage.IfyourparentswerenotcoveredatallthenapolloMunichor
Maxbhupahavepolicieswhichgivecoveragetillage65.MaxBhupahascopaymentclauseafterage65.However,ifyourparentshave
complicationsthentherewillbeapossbilitythatcertainillnesswillbecountedaspreexistingandwillbecoveredafterawaitingperiodof
45yearsormightbepermanentlyexcluded.Italldependsonhowcompanyperceivestherisk.Alsothepremiumofgeneralhealthplan
willbeveryhighatyourparentsage.
Theotheroptionsyouhaveisseniorcitizensplanswhichstartatage60.Apollohaslaunchedittodaywhichstartatage61.howeverthere
willalwaysbecertainlimitationsintheseplans.
Itwillnotbewisetodependonhealthplansentirelyformedicaleppensesatyourparentsage.Buyaplanwithsufficientcoverageand
havesomeemergencyfundformeetingany.
ReplyLink

sandeepAugust8,2012,5:10PM
Pleasetellmewhatistheplanofseniorcitizen,andifiwillnotincludemyparentinmypolicythanhowmuchpremiumihavetopayinbothapollo
M&Maxbupa,
andwhatispremiumofseniorcitizenpolicy.
ReplyLink

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NaveenChandraNarayanaAugust13,2012,9:09PM
HiJintendra,
Thatsaquiteainsightyouhaveprovided..Ihavethesamequestionhereasmanypeoplehavealreadyasked.
Im35yrsandmywifeis31..marriedforyearandhalfnowtilldateiwasworkingforachannelsothemediclaimwasprovidedbythecompany..
nowimonmyownandimplanningtotakeamediclaimforwhichineedyourexpertadvise..ihadachatwithaagentwhopresentedmeboth
ApolloMunichOptimaandMaxBhupa,myquestionisverystraightwhichisbetterasihavetopaypremiumofRs.8500/for3lakhs@maxbhupa
whereasinApollomunichihavetopayRs.6700/for5laksh..whichhasleftmeconfusedthatwhichoneisbetter..secondlyweareplanningtohave
childnow..canyouadvisewhichoneweshouldwegofor.Alsosuggestifthereissomethingbetterorsimilar.
Thanks&Regards
Naveen
ReplyLink

JitendraSolankiAugust14,2012,12:26PM
Naveen,
wrtproductfeaturesbothcompaniesaregood.Theybothdonothaveanylimits.However,therearedifferencesinrelationtocertainfeatures.for
e.ginApollomaternityexpensesiscoveredafter6yearswhileinmaxBhupaitisafter2years.Alsoafterage65inMaxBhupacopayment
clausegetsapplicablewhileinappolloitisnotso.IfyouarelookingforclaimingmaternityexpensesthroughaninsurancepolicythenMax
Bhupaisthechoice.Butitsinthirdyearonlyanduptoacertainlimitwhichyouhavetotakeinconsideration.forotherfeaturesApollolooks
morebeneficialespeciallyathigherage.
Ihopethisansweryourquery.
ReplyLink

GautamAugust20,2012,4:23PM
Iam41yrs,mywife39yearsandson15years.Ihadmetwithanaccidentaprox.16yearsbackwhenmyThighbonegotcompoundfracture.Ihad
takenICICILOMBARDfamilyProtectin2006i.e6yearsbackasthattimeonlythispolicyhadtheclauseofcoveringpreexistingdiseasesafter4
years.Butitdidnothaveotherprovisionslikelifetimerenewability,Donarexpense,Domicilliaryexpencesetc.Ithasaloadingprovisionwhichis
claimamountbasedfornonchronicillnessi.eupto25000Nil,25to5000010%,50to10000020%,1to2lakhs50%&abve2lacs75%andthere
willnotbeanyloadingforsubsequentpremiums.
ButforChronicIllnessloadingof75%ofbasepremiumwillcontinueforallsubsequentpremiums.andifbfirtherclaimsariseinsubsequentrenewals
afurterloadingof75%willbeappliedandthemaximumlimitforsuchloadingis200%.
Ihavenottakenanyclaimundermypolicyandmysumassuredof300000hasincreasedby750000(dueto5%cumulativeBonusperyear)Inview
ofiwanttoportmypresentpolicy.Kindlyadvicemethemostsuitablepolicyfromappolomunich,maxBupaorevenfromICICILombard,whereI
couldGetamostupdatedpolicywithessentialprovisionswithoutlosingtheacquiredbenefitof6yearscoveredlifeinthepreviouspolicy.Mydue
dateofrenewal(Itisa2yearpolicy)inthepreviouspolicyis4rthSeptembersokindlyreplymeurgentlysothaticanapplyforportability.IShallbe
highlythankfullandobligedforatimely&neutraladvicefromsuchexpertsashavepostedcommentsabovelikeJtendraji,Aniljiandmanyothers.
ReplyLink

JitendraSolankiAugust21,2012,11:37AM
Gautam,
Youcanportyourpolicytoanyothercompany.However,therearecertainfactorswhichyouneedtotakeintoconsideration.Firstly,thedecision
tocontinuewithbenefitsofyourexistingpolicyrestwiththecompanyyouwillbeportingyourpolicy.Thecompanymaygiveyouallbenefitsof
yourpreexistingdiseasesormayimposewaitingperiods.Anypreexistingillnesscompanyperceivestobehigherriskitmayhavepermanent
exclusion.Italldependsontheunderwritingwhichvarieswithincompanies.
Hence,firstconfirmfromthecompaniestowhatextenttheywillcoveryourbenefits.Youwillgetcertainidea.ApolloMunichisverystrongon
underwritingandmayimposerestrictions.Alsoithaswaitingperiodofoneyearincaseofportabilityforallpreexistingillnesses.SinceIRDA
cameoutwithnewnormsinhealthinsuranceindustryyoumightseenewproductsrollingoutwiththesefeatures.StarHealthhasdoneitandall
renewalsarenowinnewpolicies.SimilarlyICICIwillhavetoadhertothenewnormsandyouwillseenewproductsfromitalso.

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Somytakewouldbetorenewitnowandwaitforsometime.Donotmakeadecisioninhurry.Alsoyouneedtoapplyforportabilityatleast30
45daysbeforeyourrenewaldate.
ReplyLink

anilkumarkoulAugust22,2012,7:28AM
Gautamjee,itwillbediffculttoGetsamepremiumfor7.5lakhscoveryouarepresentlyenjoyingfrommaxorapolloButyesitwillbelittle
competitiveifyouoptforfamilyfirstofmaxBupabutforhighersumassured,i.e,(5+15)lakhssumassured,effectivecoverforanyinsured5lakhs
&15lakhsonfloaterbasis.Alsotherewillbenoexclusionsexceptfirst90daysofwaitingperiodforplannedhospitalisationwhichcanbenullifiedif
youport.iwillcoveypremiumshortlypl.compare&decideonmerits&effordibillity.also20%ofcopaymentisthereafterage65inmaxbupa.
ReplyLink

anilkumarkoulAugust22,2012,7:40AM
Gautamjee,incontinuationtoabovereplythepremiumofmaxbupaworksouttobeRS19895=(5+15)&RS.17913(2+5)&maxbupaincreases
premiumeveryyearunlikeotherswhoincreasesitinslabof5years.youneedtodolittlehomeworkfordecidingthesame.
ReplyLink

RamakrishnanAugust22,2012,12:17PM
HiJitendra,
PlanningtotakeaHealthinsuranceforfamilyMyself41spouse35kid4yrs
alsowouldliketoknowwhattypeofillnessaregenerallycoveredlikeHeart..etc
Foundthissiteafterlotofgoogling.
Kindlyadvise
ReplyLink

JitendraSolankiAugust22,2012,10:30PM
Ramakrishnan,
YoucanselectafamilyfloaterpolicyfromApolloMunich.OptimaRestoreisagoodpolicy.
Anyhealthinsurancepolicycovershospitalizationexpensesformostoftheillnesses.however,itwillhavesomewaitingperiodi.e.thecoverage
foraparticularillnesswillstartafterthewaitingperiodisover.Thedetailsofwaitingperiodandanyexclusionyoucangetfrompolicywordings
whichyoucandownloadfromthecompanywebsite.
ReplyLink

ankitAugust28,2012,3:29PM
DearJitendra,
Thankyouforaveryluciddescriptionoftheproduct.
Reallylikedyourarticle.Justneedyouropinion.IaminDelhi,Age32Year,Spouce:30YearlookingforaMedicalcover.Iamlookingattheoption
inApolloOptimaRestore&ReligareCarePlan.
Option(5lacs)
FamilyFloaterfortowAdults.
soiwanttoknowwhatwillbetehgoodoptionforme.
andiamalsointuchoneofthepolicybazaaradviser.socanibuyfrompolicybazaar.com
whatuthinkaboutpolicybazaar.comservices.
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iamwaitingyourresponse.
Yourguidancewillbeimportantasalways.
Thankyousomuch.
ReplyLink

JitendraSolankiAugust29,2012,8:19AM
DearAnkit,
Bothpoliciesaregoodwithsomedifferences.Religarecareplanhassomesublimitswithsopaymentclauseafterage61.Onotherhanditgives
youmedicalcheckupfacilityeveryyearwhichisbeneficial.ApolloOptimaRestoredoesnotcovermaternityexpense.Thismaybeadrawback
ifyouarelookingintoit.
Hence,lookatyourrequirementandseewhichismorebeneficial.Choosetheproductwhichbestmatchesyourrequirement.Gothrough
policywordingsofbothpolicyfordetailsandthencompare.
Policybazaar.comisokforonlinebuying.Alternativelyyoucanbuytheproductfromrespectivecompanywebsite.
ReplyLink

ankitAugust29,2012,1:02PM
DearJitendra,
Thankusomuchforyourquickresponse.iappreciateyoureffort.iappreciateyoureffort.
ReplyLink

AshishJainAugust29,2012,12:07AM
DearJitendra,
IamplanningtotakefamilyfloaterpolicyofApolloOptimaRestorefor5lacs,whichdoesntaskforanymedicalcheckup.Iam41yrs,mywife37
yrsandson10yrs.MywifehasHypothyroidismandisonmedication(eltroxin)forlast8years.Shehadalsoundergonesuccessfulgallstonesurgery
lastyear.NoDiabetesandherhealthisperfectlyalright.
Thoughthyroidandgallstoneareverycommonthesedays,ifImentionallthesefactsintheProposalform,willthataffectmypremiumOr
exclusions?HowwillApolloconsiderthis?AlsosuggestanyothersuitableInsurancepolicyforthegivencondition.
Thankyouinadvanceforprovidingyourvaluableguidance.
ReplyLink

JitendraSolankiAugust29,2012,8:26AM
Ashish,
ApolloMunichhasaverystrongunderwriting.Therehavebeencaseswherecompanyhaspermanentlyexcludedtheillnesswhichhasoccured
previouslyeveniftheinsuredhasrecoveredfully.Alternatively,thecompanymayaskforahigherpremiumifitperceivestherisktobehigh.
Thusitsverydifficulttosayatthismomentwhatwillhappeninyourcase.Youwillonlycometoknowaftertheunderwriting.Applyforthe
policy.thecompanywillsentyouaconsentforwhatevermaybethecase.Youwillhaveanoptiontorejectitoracceptit.
AlternativelyyoucanlookatothercompanieslikeMaxBhupaandReligareCare.
ReplyLink

AshishJainAugust29,2012,10:02PM
DearJitendra,
Iappreciateyourquickresponse.IllapplyforOptimaRestorewithallthecorrectdisclosuresandwaitfortheirresponse.
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ShallIalsotrythefollowingcombinationinOptimaRestorefamilyfloaterof5lacsformysellf(41yrs)andmyson(10yrs)andtakeanIndividual
policyof5lacsformywife(37yrs)?Willthisbeabetterproposition?Inthiscombination,premiumwillbeslightlyhigherthanthe2A+1C
combinationinOptimaRestore.CanIchangethiscombinationlateronwithoutlosinganycontinuitybenefit?
CurrentlyIhave4lacsofgroupmediclaimcoverfromUnitedIndiaprovidedbymyemployer.Howabttakingaseparateindividualpolicyfromthem,
iftheyarelenientintheirunderwritingapproachandperhapsacceptmywifescase?However,Ivenoticedsomanycappingsintheirpolicy,which
arenotthereinApolloMunich.
Thanks&Regards
ReplyLink

JitendraSolankiAugust30,2012,12:30PM
Ashish,
UnitedIndiaNusrancedohavehighsublimitsintheirpolicieswhichmaynotfavoryourrequirementsascomparedtoApolloMunich.Hence,
sticktoApolloMunichifitsuitsyourneeds.
Yesyoucanworkoncombinationwhichwillactuallyhelpyouinkeepingbenefitshigher.Aseperatepolicyforyourwifewillensureifclaim
arisestheothermembersdonothaveadisadvantagewhichhappensinfloaterpolicy.Youcanchangecombinationbutwillloosecontinuity
benefitsinsomecaseswhereaddingnewmemberinapolicy.Sotakeyourdecisioncarefully.Inmyviewthecombinationyouhavechosenis
considerable.
ReplyLink

parekhSeptember3,2012,3:46PM
HelloSir,
Wouldlikeyourkindsuggestion:
PlanningtobuyApolloOptimaRestoreformyself&family.
Myage35,wife32,children2(below7years)
ShouldIgoforindividualpolicyformyself(5lkh)&ajointforrestoffamilly?
or
ShouldIgettwopoliciesinwhich1adult&1childcanbeincluded.
orshouldioptforafloaterof5lkhforwife&twokids&individual(5lkh)forme.
Budgetnotaconstraint.
Needrightadvise.
ReplyLink

JitendraSolankiSeptember4,2012,10:03AM
Parekh,
Goingfortwopolicieswillsurelybenefitwithhighercoverageforentirelyfamily.Acombinationof1+1youcanconsider.Individualpolicywill
beadvisablewhenyouaresufferingfromanyillness.Otherwisegoingforthecombinationisbeneficial.
ReplyLink

parekhSeptember4,2012,11:13AM
done.
thanksalot.
ReplyLink

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RajSinhaSeptember5,2012,12:10AM
HiJitendra,
Justwantedtocheckifanymemberinfamilyfloaterpolicyhaspreexistingdiseasesuchasthyroidthenwhatloadingorconditionanyinsurance
companyappliesinsuchcases?Iftheyapplyanyexclusion,thenwillthatapplytoallthemembersoffloaterpolicyoritllapplyonlyforthat
particularmember?
Isitsensibletotakeseparatepolicyforthatmemberthoughitllbelittleexpensive?Whichinsurancecompanyyouadviseinsuchacasewhich
providesmaxcoverage.
Plsadvise.
Thanks&Regards
ReplyLink

JitendraSolankiSeptember6,2012,10:03AM
Raj,
Itsalwaysadvisabletohaveanindividualpolicyformemberswhoissufferingfromanyillness.Incaseofanypreexistingillness,companymay
imposelimitationsorloadingonpremiums.Thisisadisadvantagetoothermemberswhoarehealthyandcangetahealthpolicyatlower
premium.
SobuyaseparatepolicyformemberwhoissufferingfromThyroidandafloaterforrestofthemembers.
ReplyLink

ankitshuklaSeptember15,2012,12:58PM
mr.rajsinha,asfarmyknowledgegoesReligareCarePlancangiveumaximumcoverageupto60lakhs&thattooonfloaterbasiswith100%
ofS.Iautomaticpolicyrechargeifclaimamountexhaustsyourcoverage,atnoextracost.andwithoutanycopaylikemaxbupa(Copay
POLICYDOCUMENT
Page6of30
IfanyInsuredPersonis65yearsofageoroveronthedateofcommencementofthecurrentPolicyYear,thenitisagreedthatWewillonlypay
80%ofanyamountWeassessforpaymentorreimbursementinrespectofanyclaimmadebythatInsuredPersonandthebalancewillbeborne
bytheInsuredPerson.)
Regard
AnkitShukla
ReplyLink

anilkumarkoulSeptember6,2012,6:50AM
mr.rajsinha,asfarmyknowledgegoesMaxbupacangiveumaximumcoverageupto50lakhs&thattooonfloaterbasiswithoutanyexclusion
exceptfirst90daysplannedhospitalisationforthyroid&havingothertestsnormal.
ReplyLink

RajSinhaSeptember6,2012,9:24PM
Thanksalotforyourvaluableadvice.
ReplyLink

anjuSeptember13,2012,12:36AM
Hello,
PleaseguidemergdthepolicyIshouldgoinfor.Iam39,female,single,nopreexistingmedicalcondition.Whichpolicywouldbenefitmethemostas
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regardsfutureillnessesandemergencies?Iwanttogetthebestbenefitasregardsthepolicysothatfuturemedicalexpensesdonotcausememuch
financialstrain.Iamselfemployedsohavenomedicalinsurance,asofnow.Ihaveabrotherwhois36andsingleaswell.Canwegoinforsome
policyjointlyorwouldindividualpoliciesbemorebeneficial?pleaseprovidepolicynameaswellasthecompanyprovidingit.
Manythanksinadvance.
ReplyLink

JitendraSolankiSeptember14,2012,11:36AM
DearAnju,
Itsadvisabletogoforseperatepolicies.OptimaRestoreisagoodpolicytogofor.Butdchecktheexclusionsindetail.Foryourbrothertooyou
cangoforthesamepolicy.IfyoufindpremiumtobeonhighersideEasyHealthisagoodoption.TheothercompanytoconsiderareMaxBhupa
andReligareHealth.
ReplyLink

Dr.KishorSeptember13,2012,10:56AM
DearJithendra
Reallyagoodworkyoudoing,iam33yr,andlookingforagoodHealthinsurancepolicyformyselfandmywife(25Yr)andmyMother(56yr)and
shehasdiagnoseddiabetes(notDII)pleasesuggestmewhetherishouldgoforentire3membersorseparateformyselfandmywife.andmymother
sincesheisadiabetic,iamplanningforApolloOptimarestore(Myfriendsuggested)andformymotherSTARhealthinsurancesincetheyhave
diabeticinsurancealso,stilliwantadvisefromyouaboutwhetherishouldgoonepolicyforallorseparateandalsowhichcompanyyousuggestfor
us.
iamalsointerestedapolicythatcoversadaycareprocedurewell.Thanksinadvance.
regards
Dr.Kishor
ReplyLink

JitendraSolankiSeptember14,2012,11:20AM
Dr.Kishor,
Itsadvisabletogoforaseperatepolicyforyourmothersincemostcompaniesdonotcoverdiabeticpatient.Youcaneitherlookatstarthealth
whichwillcoverdiabetesrelatedhospitalizationexpensesorPSUslikeNationalwhichmaycoverdiabeticpatientsintheirbasicplansbutwith
extrapremium.Apollodonotcoverdiabeticpatients.
Foryou,yourspouseyoucanlookatApolloMunich,MaxBhupaorReligarehealthinsuranceschemes.
ReplyLink

anilkumarkoulSeptember13,2012,9:29PM
anjumam,youshouldoptforapollomunichoptimarestorefor15lakhs(maxsumassured)ifprmisnotanconstraint&shouldadviseurbrothertoo
forsame.
mammajorbrotherorsistercannotbeproposerofeachotherneitherucanoptforjointpolicyunderfloaterbasis.managingurrisksshouldbetop
prioritysoactfast.
ReplyLink

anjuSeptember13,2012,9:49PM
Hello,
Manythanksfortheguidance.But,Iguess15lakhscoverageisabitoutofmyreach.IfIgoinfor3lakhsminimumcoverage,andasitisa
multiplierandrestorepolicy,mysummaygetdoubledinacoupleofyears,ifnoclaimismadefor2consecutiveyears.So,doyoufeelthatthis
workstomybenefitasthesumcoveredwillbe6lakhs?
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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Doexcusemyignorance,asIhavejustnowstartedtolookaroundatthesepoliciesanditisdifficulttocomparethemandzeroinonwhichisthe
bestoptionforme.Also,canoneupgradetoanotherlevelinthispolicydowntheline?Thanksagain.
ReplyLink

ankitshuklaSeptember15,2012,12:47PM
anjumam,
youshouldoptforReligarecarePlanfor5lacselfandsameforyouryourbrother.yourprmwillbe5,385onlyforeachofyou.&apollo
optimarestore3lac5369foreachofyou,
oryouhavemanyoptionyoushouldcamparealltheplanwitchinthemarketandforthatpolicybazaar,easypolicyetc,whereyoucanget
goodcomparisonforhealthinsurance
Regard
ankitshukla
ReplyLink

anjuSeptember16,2012,10:51PM
Thankyouverymuchforyourtimeandguidance.Reallyappreciateit.
ReplyLink

anjuSeptember20,2012,11:34PM
Hello,
Onemoreconcernofmineneedstobeanswered.Whethertobuyhealthinsurancepolicydirectlythroughthecompanywebsiteorthroughsiteslike
medimange?whichwayisbetterandwhy?
Thanks
ReplyLink

anilkumarkoulSeptember21,2012,4:42AM
mampurchasingpolicyfromknownBroker/Agentwillalwaysscoremorethandirect.sinceyouwillhavesomebodytoassistyouatthetimeof
claim/service.
ReplyLink

anjuSeptember21,2012,11:10AM
Thanksforyourpromptandexpertguidance,Sir.Pleasealsolhelpmewithregardtochoosingmedimanageornot.Ihavenoideaaboutwhomtogo
thru,andwanttoknowifmedimanageisreallygoodfromthepointofviewofthecustomer?Willitbebettertobuythruthemandifnot,thenwho?
Whatabtpolicybazaar?.Pleaseguide.
Thanks
ReplyLink

anilkumarkoulSeptember21,2012,11:51AM
mampurchasingthroughdirectorBrokeronlineisone&samething
onceyouhaveidentifiedco.&policytobepurchasedlookforagent
orBrokerneartoyousothatservicingbecomeseasy&assistance
inposthospitalizationforreimbursementperusalisnottiresome.
ReplyLink
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HarishChandSeptember21,2012,4:48PM
HelloJitender,
IwantsonlyoneclarificationofursideApolloMunichoptimarestoreplancoverdCriticalillness&HowManyCriticalillnesscoveredunderthe
policy.iamplannigtotakeoptimarestoreplanshortly.
ReplyLink

JitendraSolankiSeptember22,2012,11:00AM
DearHarish,
Illnesseswhicharecoveredincriticalillnessarecoveredinbasichealthpolicyforhospitalizationexpenses.Hence,Criticalillnesscovershould
belookedasspecializedproductratherthenaddon.
ReplyLink

HarishChandSeptember21,2012,6:34PM
hidearmam,
IamplanningtakeApolloMunichExclusivePlanhewilCoveredmedicaltestEveryInsuredPersoneoronlypolicyholder.
ReplyLink

JitendraSolankiSeptember22,2012,11:01AM
Harish,
Ifallpersonsareabovetheagelimitthentheywillhavetogoformedicaltest.
ReplyLink

anjuSeptember22,2012,1:54PM
Hello,
Sir,youarerenderingagreatservicetoallofus.Ireallywishtoexpressmygratitudeforyouradvise,guidanceandtime.
Pleasehelpmechooseappropriatecriticalillnessplan.Pleasespecifynameofpolicyandcompany.IwishtohaveCIpolicyseparatefromthehealth
policyasIhavereadthatitismuchbetterthisway.Pleasesuggestonethatyoufeelisagoodone.
Mydetails39,single,female,nohealthissues.
Thanks
ReplyLink

ankitshuklaSeptember23,2012,12:16PM
anjumam
yoshouldgoforbhartiaxaCIpolicycozinthatplanbhartiaxacovering20crtillness.
regard
ankitshukla
ReplyLink

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praveenchawlaOctober10,2012,12:34AM
plztellmewhichhealthinsurancepolicyisbetterforme
apollooptimarestore
religarecarerecharge
myageis28yrswife26yrsandmychildis3yrs
ReplyLink

praveenchawlaOctober10,2012,12:57AM
comparisionsearchedbymefor3membersofmyfamilyage28,36,3yrs
religarecareapollooptimarestore
1)servicepooraspermarketreviewgoodaspermarket
2)suminsuredmin2lakh3lakh
3)discountfor3yrspayment10%for2yrspayment7.5%
4)amountrs17825rs15650
5)recharge/restorestartsautomaticallyforbillnessonlyafterexhaustingncbandsuminsured
6)ncbinc/dec10%/20%50%/50%
7)suminsuredafter2yrs2.4lakh6lakh
8)roomicurent1%&2%ofsuminsurednolimit
plztellwhichoneisbetterforme
ReplyLink

AtulSejpalOctober10,2012,2:27AM
Hello,
PleaseguidemergdthepolicyIshouldgoinfor,Iam43yrs,wife40and2daughtersaged14and6,itwillbethefirsttimegoingforahealth
insuranceinIndiaaswaslivingabroadfrom9yearsandaswehaveadifferenthealthplanshere.
canyoupleaseadvicemewhichpolicyshouldigoforandshouldigoforindividualorforafamilyfloatertillnowweareallhealthybygraceofgod
butyouneverknowwhatsinstorefor,wouldliketogofora10lakhpolicyifitsfamilyfloaterifindividualnoideahowmuchshouldigoforassaid
willbedoingitforthefirsttimesoPLEASEADVICE
ThankYou
ReplyLink

JitendraSolankiOctober10,2012,11:08AM
DearAtul,
Iwouldadviseyoutogofortwofloaterpoliciesonecoveringyouandachildandothercoveringyourwifeandachild.Individualpoliciesare
advisableifpremiumoutgoisnotaconstrainsinceyouwillhavetoshelloutmore.
Sometimesbyavailingtwofloaterpoliciesyouareabletogetahighercoveragewithlesspremiumdifferencethenasinglefloaterpolicy.You
canchoosethecoveragebasedonyourpremiumpaymentlimit.
ReplyLink

SANDEEPKATYALOctober12,2012,11:23AM
Iamsandeepkatyalalreadydiscussforswitchingfrommycurrentmedicalpolicytoanothersoiwanttomeet&discussonthesame,iamstayingat
faridabad.
SandeepKatyal
9811486831
ReplyLink

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RamcherukuOctober16,2012,1:42PM
Hello,
Thanksfortheinformativearticle.IamanNRIlivinginAustraliawithmymotherinIndia.Shewasdiagnosedwithbreastcancerlastyearandwas
treated.Shedidnothaveanymedicalinsuranceandwehadtoshellouttheexpensesoutofpocket.Giveninfuturethatshemaybediagnosedforany
morehealthissues,Iwaswonderingtotakeahealthinsuranceplan.Sheis60yearsold.
Muchappreciateifyoucansuggestagoodhealthfundandalifeinsurancefundclubbedtogetherifanygivingthewaitingperiodandalsoan
approximatepremiumperyear
Manythanks
Ramcheruku
ReplyLink

JitendraSolankiOctober22,2012,10:01AM
DearRam,
Ifthereisanypreexistingillness,itgetcoveredafter46yearsinmosthealthinsuranceplans.Also,withsomecompanies,theillnessyouhave
specifiedmaynotbecoveredatallconsideringyourmotherage.
Sincemedicalinsurancewillalwayshavesomelimitations,itisadvisablethatyoucreateahealthfundofatleastRs67lakhwhichyoucan
utilizeincaseofanyshortfall.Forhealthinsurance,youcanconsiderApolloMunich,MaxBhupaornewlylaunchedReligareHealth.Butdo
rememberthatpremiumswillbehigheratyourmotherageandtheremaybeloading(ExtraPremium)fromtheinsurancecompany,if
underwriterperceivestherisktobehigh.
ReplyLink

MonuOctober20,2012,1:06PM
HiJitendra,
Goodtoseeurresponses.Thanksforsharingurknowledge.
Ialsoneedasupportfromurendasiamplanningtogoforahealthinsuranceformeaswellasformywife.webothareinthesameagegroup(31),i
thinkfamilyfloaterwouldbeabetteroption.NowmydilemmaiswethertogoforprivateplayerortheGovtone.Theoptions,ihaveexploredis
ApolloMunichandUnitedIndiaInsurance.
Pleasesuggestmethebetteroption(govtorprivate).Mycriteriawouldbetheclaimprocess,betterresponseservice,Nohiddencostorconditionand
Reasonablepremiumload.
Awaitingforurresponse
Regards
ReplyLink

JitendraSolankiOctober22,2012,10:37AM
Monu,
Thanks.
Forhealthinsuranceplanyouneedtounderstandthebasicfeaturesandexclusionsintheproduct.Privateplayershavesomelevelofcompetency
betterthenpublicsectorcompaniesandsothereshouldnotbeaconfusion.
ApollohavehigherfeaturesthenUnitedIndiaInsurancebutalsohavestrongunderwritingprocedures.Thebiggestfeatureisthatthereareno
sublimitsinApollowhichmakesitagoodchoice.Therearealsovalueaddedservicesyougetfromthiscompanyalongwithbetterservices
duringpolicypurchaseorclaimprocess.Understandthathigherthesublimitsthelowerwillbethepremium.HenceApollopremiumwillbe
higherthenUnitedIndia.
Thebestwaywillbetolookatyourrequirementandcompareproductsonbasisofthat.Chooseonewhichbestmatchesthese.
ReplyLink
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ShreerajNairOctober24,2012,7:20PM
HeyJitendra.
Justdidagooglesearchonsomething,andIcameacrossTFL.
Doallowmetocongratulateyouonalltheinformationthatyouaresharingonthewebsiteandthewayyouaremanagingthiswebsite.Itstruly
commendable.
Im35yrsofage,andamlookingforseparatemediclaimpoliciesformeandmywife.IveshortlistedOptimaRestoreandNewIndiaAssurance.My
queryis
Howinstrumentalisanagentingettingtheclaimssettled(especiallyforthepublicsectorplayers)
ReplyLink

JitendraSolankiOctober31,2012,1:29PM
DearShreeraj,
Thanksforyourappreciation.
MostPSUsareagentdriven.Whichmeansforanykindofservicesyouneedtocontactyouragent.Evenifyouwalkintoabranchthenyouwill
findagoodenoughtimeisspentonavailingservicesincludingissuingyourpolicyasthesecompaniesreliedonagenttodrivetheirbusinessin
pastanddidntfocusedonservicesusingtech.InthatrespectanagentisaveryimportantmediatorbetweenyouandaHealthInsurance
Company.
Forclaimsanagenthelpsyouimmenselyincontactingtherightpersonordepartmenttospeeduptheprocess.Healsokeepsatrackandinform
youofanyrequirementwhichmaybelacunasometimesdealingwithaPSU.Althoughmostofthemaregearingtokeeppacewithprivate
players,stillyouwillfindsuchabsenceinsomeofthem.
Thisisnotthecasewithprivatesectorcompanieswheretheclaimprocesswithoutanagentwillbemuchsimpler.
ReplyLink

VivekOctober31,2012,9:38AM
Iama33yearoldmaleandImlookingtogetinsuranceforthefirsttimeandneedsomehelp.Iamthinkingof4LApolloEasyHealthwithCritical
Illnessand3LApolloOptimaRestore.Basically,IlikefeaturesofbothCIinEasyHealthandRestore+MultiplierbenefitinOptimarestore.Also,it
willhelpmeachievetotalcoverageof710lakhs.Iwanttostartnowtobuildlonghistorywiththeinsurancecompanies.Doyouthinksplittinglike
thisbetweenEasyHealthandApolloOptimaisagoodidea?Fromaclaimprocessingstandpoint,itshouldntbeaproblem,sinceitsthesame
company?
Also,isthereanygoodplanforlongertermdentalcoverage?
ReplyLink

JitendraSolankiOctober31,2012,1:42PM
DearVivek,
Yesyoucanchooseinsuranceinthismanner.Boththesearegoodproducts.
FordentalcoverageyouhaveonlytwooptionsFeaturesinbasichealthplanlikeinApollowhichgivesyoualimitedclaimafteracertainperiod.
TheotherisOPDpolicies.Unfortunately,theyarecostlyandwedonothavemany.
Hence,itsbettertotakethebasichealthplanoptionandsimultaneouslycreateahealthfundtomeetanyemergency.
ReplyLink

VivekNovember1,2012,1:57PM
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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HiJitendra,ManyThanks!
IwasgoingthroughCriticalIllnessintheApolloEasyHealthPremiumplananditseemslikeitisonlyaonetimepolicy.Ifitisclaimed
once,itdoesnotrenewafterthat(evenwithhigherpremium,etc).Thatisstrangemanycriticalillnesseslikecancerrequirelongterm
careovermanyyears,isntit?HowdoesonecoverforsuchscenariosifpeoplehavetotakeanewCIafteraCIhasoccurred,that
wouldbeverydifficultinthatsituation,isitnot?
Thanksagain!
ReplyLink

JitendraSolankiNovember1,2012,2:13PM
DearVivek,
MostCriticalillnesspoliciesareonceinlifetimescheme.Thatmeansonceyouhavetakentheclaimforanyillness,yourpolicy
ceaseswithoutanyrenewalinthefuture.ButinApolloyoucanrenewthepolicytwicei.e.youcanclaimthreetimesinyour
life.However,theillnessonceclaimedisexcludedinthenextrenewal.
Yes,youareright.ThatswhyitsadvisabletocreateahealthfundanddonotrelyentirelyonCIpolicies.
ReplyLink

VivekNovember1,2012,2:59PM
Oh,ImissedthetwicerenewaloptionintheApolloproductliterature.Thatsgood.MaxBupacoversmoreillnessesbut
mightbelimitedtooneclaim.Apollodoesnotallowrenewalafter70,butMaxBupaallowslifetime.Ohwell
ReplyLink

udayJanuary31,2013,2:09PM
HiJitendra,
IhavetakenApolloMunichEasyhealthIndividualExclusivepolicyformymotherof51yrsfor4Lwith100%CIrider.
Policystartedonmarch2010.Finishing3yearsincomingMarch2013.IfIrenewnow4thyearstartsfromMarch2013.
IunderstoodCIasfollows:
Letstakecancer.Hospitalizationiscoveredtill4Lfornormaldiseases.Ifcancerisdiscoveredfirsttimethenalumpsumof
100%CI(ie4L)isgivenandtreatmentforcancerisdoneunderthe4Lpolicy.Nextyearalsoanytreatementrelatedtothe
samediseasecanceriscoveredupto4Landnextyearandnextyearetc..Isthisnotcorrect?
Ifcancerisdiscoveredfirsttimealupmsumof4Lisgiventomeandthatsit?Allexpensesrelatedtotreatmentofcancerhas
tobetakencarebymyselfforentirelife?
Pleaseclarifymydoubts.
Thankyou.
ReplyLink

VikasJanuary31,2013,10:56PM
HiUday,
CIforaspecificillnessclanbeclaimedonceinlifetime.Soifyouhavetakenaclaimforcancer,theCIriderwillget
renewedbutcancerwillbeexcludedfromit.IntotalyoucanclaimaCIriderinApollothriceinlifetime.
ReplyLink

YogeshShahOctober31,2012,11:51PM
Hi,
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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InOptimaRestore,after2claimfreeyears,thebasicinsurancebecomesdoubleatnoextracost.butthenin3rdyeardoineedtopayforthefullbasic
suminsured+bonus??
sayigotapoliyuof500000.after2yearsitbecomes1000000.inthe3rdyearwillihavetopaypremiumfor10,00,000or500,000??
ReplyLink

JitendraSolankiNovember1,2012,4:13PM
DearYogesh,
Youdonothavetopayanyextrapremiumfornoclaimbonus.
ReplyLink

ranatadsouzaNovember7,2012,6:45PM
hi,
iwntstonowwhatrthedifferentsbetweenicicilombardandapollomunichoptima,andwntstotakethepolicyformyselfandindivialpolicy.andfor
myhubbyindivialpolicymyageis28andmyhubbyis30soplllltellmealltheantsarethedifferents,intwo.ififeelurpolicyisgoodthenibuythe
policyonline.
ibewatngforurreply
ReplyLink

JitendraSolankiNovember16,2012,5:02AM
DearRanata,
ICICILombardisabasichealthplanwhereonceyouexhausttheavailableSumInsuredinanypolicyyearyouhavedonothaveanoptionbutto
purchaseanewpolicytokeepyourhealthinsurancerunning.ItsonlyduringrenewalyourinitialSIisretained.InApolloOptimaRestoreifyou
exhausttheSI,tehcompanyrestoretheinitialSIfrotheirsidewhichisavailabetoyouforclaim.SoinICICIifyouhaveaRs3lakhcoverand
youfullyexhaustyouhavetopurchaseadditionalcover.ButinApollothecompanyrestoreadditionalRs3lakhforyouwhichmeansin
effectiveyouhaveRs6lakhcoverage.Thisisthebasicdifference.
Restyoucangothroughthepolicywordingsofbothtoknowindetail.
ReplyLink

VivekNovember15,2012,6:55PM
HelloJitendra,
Imconfusedaboutloading.BoththeOptimaRestoreandEasyHealthpolicydocumentshavethefollowinglanguageinthem.Howcometheysaythat
therewillbenoclaimbasedloading?Thanks,Vivek
Wemayapplyariskloadingonthepremiumpayable(baseduponthe
declarationsmadeintheproposalformandthehealthstatusofthepersons
proposedforinsurance).Themaximumriskloadingapplicableforan
individualwillnotexceedabove100%perdiagnosis/medicalconditionand
anoverallriskloadingofover150%perperson.Theseloadingsareapplied
fromCommencementDateofthePolicyincludingsubsequentrenewal(s)
withUsoronthereceiptoftherequestofincreaseinSumInsured(forthe
increasedSumInsured).
ReplyLink

JitendraSolankiNovember16,2012,5:11AM
DearVivek,

http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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Ifyoureadthelines,itsaysfortheproposalandnotforclaim.Whatthisstatementsaysisthatduringpurchaseofhealthinsurance,thecompany
maychargeextrapremiumiftheyperceivetherisktobehigherasidentifiedduringunderwriting.Thisloadingiseitherduringpurchaseoffresh
policyorinrenewalifyouhaveappliedforincreaseofhealthcover.
Whenyoutakeaclaim,thecompanydonotchargeanyloadingaspertheirpolicy.
ReplyLink

VivekNovember16,2012,10:28AM
ohok,thanksfortheclarification.Ivejusttakeninsuranceforthefirsttime(ApolloEasyHealthExclusive)andIwasntsurehow
renewalworksifeveryrenewalisconsideredanewproposal(andanewpolicy)ornot.
Further,ApolloadvertisesnoloadingforOptimabutnotforEasyHealthintheirbrochure,eventhoughtheyusethesamelanguageinthe
policydocsavailableonlinesoIwastryingtomakesureIunderstoodthelanguage.Lookslikebothdonthaveclaimbasedloadingonce
thepolicyhasbeentaken.Thatsgoodtoknow.Thanksagain!
ItdoesmeanthatitisbettertotakeahighercoverifgoingwithApollo,astheymayincreasepremiummorethanusualifthereissome
claimorchangeinhealthstatusdowntheline,andifahighercoverisbeingrequested.
ReplyLink

JitendraSolankiNovember16,2012,10:41AM
Vivek,
Apollowillnotincreasepremiumsduetoclaimbutcandosoifyouareincreasingyourcoverage.Alsodonotethathealthinsurance
premiumsincreaseataspecificageintervalacrossallcompanies.
ReplyLink

anjuNovember18,2012,1:15PM
HelloSir,
PleaseguidemeregardingwhichCriticalillnessplantogoinfor?Iam38,single,selfemployed,nohealthissuesasofnow.Whatamountwouldyou
considertobetheminimum,asanideal,keepinginmindthatsuchaclaimmayrise,say2030yearsdowntheline.Thanks.
ReplyLink

JitendraP.S.SolankiJanuary9,2013,7:39PM
HiAnju,
Therearenotmanystandalonecriticalillnesspoliciesintheindustry.Mostofthecompaniesofferitasariderorincombinationwithbasichealth
Plans.Ifyoudonothaveanybasichealthplanyoushouldfirstconsiderit.YoucanavailaCIrideralongwithit.ApolloMunichEasyHealth
productalsohaveitandyouhaveanoptiontorenewitforthreetimesinlifetime,withexclusionofillnessforwhichclaimhasbeentaken.
ReplyLink

AshishKumarNovember28,2012,5:10PM
ApolloMunichHealthInsuranceistheonlycompanyinindianhealthindustry.whichishavinghealthbackground.itsajointventurebetweenapollo
hospitalsandMunichREwhichisagermanbasereinsuracecompany.apollohospitalsisthelargesthospitalgroupinAsia.andMunichREisworld
secondlargestcompany.andtheOPTIMARESTOREplanofapollomunichisratedbestproductofhealthinsuraceforthisyear.themultiplierbenefit
ofOPTIMARESTOREplanofapollomunichhealthinsuranceisratedbestbenefitinanyofthehealthplaninalloverworld.thankyou.formore
detailsfeelfreetowriteme.
ReplyLink

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KhadirJanuary1,2013,10:24PM
Hi.
Iam35yrsoldandIhavetakenApolloMunichOptimaRestoreon12122012,InproposalformIhavenotmentionedmypreviousinsurancedetails,
whichisBajajAllianzUnitGainPolicywith2riders(CriticalIllness&HospitalCash),pleasesuggestmeitiscompulsoryornot??pleasehelp.
ReplyLink

JitendraP.S.SolankiJanuary9,2013,7:55PM
HiKhadir,
Mostpeoplemakethismistake.Itisimportanttogiveexistinginsurancedetailswhenyouareapplyingforanotherasitaffectsyourclaim.If
youhavemissedityoushouldtalktoyouragentorinformthecompanythroughtheircallcentre.
ReplyLink

shabbirJanuary9,2013,5:03PM
Dearsir,
MyfamilyliveinMiraroadmumbaiforhealthinsurancepurposepleaseguidemeanybestcompanywhichgivecoverofallcriticalcareandhospital
facilityvailidinMirabhayendararea
Bestregardsandthanksinadvanceforyourkindreply
ReplyLink

JitendraP.S.SolankiJanuary9,2013,7:58PM
HiShabbir,
Mostcompanieshavelistofhospitalnetworkontheirwebsite.Youcancheckitfromthereorfromthecallcentreofrespectivecompanyyou
wishtoavailhealthinsurance.
ReplyLink

GokulJanuary23,2013,10:20AM
DearSir,
Iamplanningtogofortwohealthinsurance
a>Formyparentsaged63and50.
b>MyWifeandme.Bothunder32yearsofage.
Pleasesuggestsomesuitableoptions
Thanks,
Gokul
ReplyLink

JitendraP.S.SolankiJanuary28,2013,7:22PM
HiGokul,
Forbothyouandyourparents,youcanoptforApolloEasyHealthwhichhasgoodfeaturesandnocopayment.Themaximumentryageis65
years.Butdocheckpolicywordingforanyspecificrequirementsyouarelookingfor.TheotheralternativeisMaxBupabutithascopayment
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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aboveage65.
ReplyLink

moydulJanuary27,2013,5:47PM
hi.Iwanttobuyahealthinsuranceformyparentswhobothrdiabeticpatients.Myfatheris55ndmothris50yrsold.Motherhavebeentaken
insulinefrom3yrs.Motherwashospitalisedforheartdiesesebutsurgerynotrequired.Inthiscasewhatshouldbeapproptepolicyfor2to3lacs.i.
ReplyLink

JitendraP.S.SolankiJanuary28,2013,7:41PM
HiMoydul,
Fordiabeticpatientsthereisspecificpolicyfromstarhealthifitisatstage2.YoucanconsiderthatorevensomePSUslikeNationalinsurance
coverdiabeticpatientwithextrapremium.Youcanenquirewiththem.
ReplyLink

DhirajKumarJanuary28,2013,9:58AM
Hi
Iamlookingfromedicalinsuranceforselfandwife.KindlysuggestwhichmedicalpolicyIhavetotakefrommarketApolloorMaxBhupa.Please
suggest.
ReplyLink

JitendraP.S.SolankiJanuary28,2013,8:28PM
HiDhiraj,
Lookatyourrequirementsi.e.coverage,premium,specificfeatures,exclusionsetcandmatchwiththecompany.Choosetheproductwhichis
veryneartoyourrequirements.Boththesecompanieshavegoodfeaturesbuttherewillbedifferenceinpremiums.
ReplyLink

gopalJanuary30,2013,2:28AM
DearSir,
ihavetakenAppolomunichsstandardhealthinsurancrpolicybyonline.anditwas2yearspassedandstillimrenewingitbutonethingsirthecritical
illnessisnotincludedinthepolicy.Plzguidemewhattodo.
rgds
gopal
ReplyLink

JitendraP.S.SolankiFebruary22,2013,10:16AM
DearGopal,
CriticalillnessinApolloMunichisavailableasarider.Youcanadditduringnextrenewalofyourpolicy.
ReplyLink

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SarbjitMultaniJanuary30,2013,8:21AM
HiJitendra,
Myageis31.Mywifehavinghyperthyoridcondition.Aged26.Weareplanningofchildwithinonetwoyears.Iamlookingformaximumprotection.
Premiumisnotconstraint.WillApolloMunichOptimarestoreplanbegoodforus?orweshouldtakeindividulplans?ifyes,pleasesuggestwhich
one?
Regards,
Sarbjit
ReplyLink

JitendraP.S.SolankiFebruary22,2013,12:11PM
DearSarabjit,
ApolloMunichhasstrongunderwritingandihaveseeninmanycasesthattheyexcludepermanentlymanypreexistingillnesses.Also,evenin
othercompanythepremiummaybeincreasedincaseofyourwifeillnessgetscovered.Consideringthisitwillbewisertotakeindividual
policies.
ReplyLink

ANSHUMANPANDAFebruary19,2013,9:19PM
DEARSIR,
IM35+AGEDHAVINGLICJEEVANAROGYAFORTHELASTTWOYEARS.AFTERREADINGURARTICLEONOPTIMARESTOREI
MTHINKINGTOINCLUDETHISPOLICYINSTEADOFCOTINUINGMYEARLIERPOLICY.PLZSUGGESTMEISITGOODFORMETO
CHANGEMYOLDERPOLICYTOOPTIMARESTOREFAMILYFLOTER.ANDPLZGUIDEIFTHEREANYOTHERINSURENCE
COMPANYGIVINGTHISTYPEOFFACILITIESLIKEAPOLOINPRESENTSITUATIONASTHEARTICLEWIRTTENBYUISQUITE
OLDANDMANYPOLICIESMUSTBECAMEBYTHISTIME.
PLZSUGGEST..THANKINGYOU
ReplyLink

JitendraP.S.SolankiFebruary22,2013,6:34PM
HiAnshuman,
LICJeevanArogyaisnotacomprehensivehealthpolicybutafixedbenefitpolicywhichcanbeconsideredforadditionalexpenseswhichyou
bearapartfromhospitalization.
Youshouldreadthistoknow
http://www.tflguide.com/2011/06/licjeevanarogya.html
ForbasichealthplanyoucanconsiderApolloMunichorMaxBhupa.RetsorebenefitisalsoprovidedbyStarHealthbutproductfeaturesvary
fromApolloMunich.
ReplyLink

moydulFebruary22,2013,7:47AM
hellosir,
asiwanttoknowfewdaysagowhatshouldbeappropriatehealthpolicyformyparentswhobothrdiabeticpatients.Myfatheris55andmotheris50
yrsold.iknowfromsomewhere,therearelaunchedanewpolicybyhdfclifenamedhealthassureplanthatiscoveredalsodiabeticpatients.
pleasegivesomemoreinformationaboutthispolicyandisitasuitablehealthpolicyforme?
ReplyLink

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JitendraP.S.SolankiFebruary22,2013,6:39PM
Moydul,
Somecompaniescoverdiabeticpatientsintheirbasichealthplanbutwithadditionalpremiums.YoucancheckwithPSUslikeNationalandNew
Indiaforcoveringyourparents.StarHealthhasaspecificpolicyfordiabeticpatientswhichyoucanalsolookat.
ReplyLink

anjuFebruary22,2013,2:58PM
Hello.
Isittruethatapollomunichchargesextraduetoweightbeingmorethantheidealacctoageandheight?!So,whatisthebreakdownaccordingly?Do
othercompaniesalsochargesuchoverloads?PleasesuggesthealthinsuranceotherthanApollosothatextrachargesarenottobepaid,duetoweight
issues.
Thanks.
ReplyLink

JitendraP.S.SolankiFebruary22,2013,6:43PM
HiAnju,
Allcompanieshavecertaincriteriaonweightwhereinafteraspecifiedlimitthepersonisputinoverweightcategory.Thecompanymay
considergivinghealthinsurancetooverweightbutwithadditionalpremium.Theextrapremiumchargedmayvarywithcompaniesaspertheir
underwritingnorms.
ReplyLink

SandeepKatyalFebruary22,2013,4:10PM
DearSir,
IhavetakenGHPLHealthinsurance(Self+Spouse)inFeb2010fromAndhraBank,nowiwanttoswitchtoanyotherinsurancecompanybutiafford
onlyApproxRs4000Premiumayear,sopleasetellmewhichisthebestpolicywithnocapingandbestresult,
ForyourinformationihavetalktoTataAIG,MaxBupaHealthCompanian,ApolloMunicheasyHealth,HDFCERGOHealthSuraksha,Bharti
Axxa.
Soipleasesuggestandtellanyagentwhereicanbuythepolicy,becauseidonotwanttobuydirectlybecausetheywillnothelpatthetimeofclaim.
SandeepKatyal
Faridabad
Age34
M9811486831
ReplyLink

SandeepKatyalFebruary23,2013,11:27AM
SandeepKatyal
DearSir,
IhavetakenGHPLHealthinsurance(Self+Spouse)inFeb2010fromAndhraBank,nowiwanttoswitchtoanyotherinsurancecompanybutiafford
onlyApproxRs40005000Premiumayear,sopleasetellmewhichisthebestpolicywithnocapingandbestresult,
ForyourinformationihavetalktoTataAIG,MaxBupaHealthCompanian,ApolloMunicheasyHealth,HDFCERGOHealthSuraksha,Bharti
Axxa.
Soipleasesuggestandtellanyagentwhereicanbuythepolicy,becauseidonotwanttobuydirectlybecausetheywillnothelpatthetimeofclaim.
SandeepKatyal
Faridabad
Age34
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ReplyLink

SarbjitMultaniFebruary23,2013,12:16PM
Thanksalot.Jitendra!
Wewilltakeindividualpolicies.
ReplyLink

MaheimaMarch4,2013,12:58PM
HiJitendra,
Thanksforaverycomprehensivereview.IhavedecidedongettinganOptimaRestoreFamilyFloater.
IjusthaveaqueryonOutpatienttreatment.Inoticethatmostregularpolicies,includingOptimaRestoredontcoverthesame.Isitagoodideatoget
apolicythatcoversOutpatientexpensesaswell?
Thanksinadvance!
Maheima.
ReplyLink

JitendraP.S.SolankiMarch13,2013,3:05PM
HiMaheima,
Yesoutpatienttreatmentarenotcoveredbythesebasichealthplans.Althoughspecificpoliciesareavailableinthemarketbuttheyarevery
expensiveduetowhichtheyarenotconsideredbymostindividuals.Buteventhesebasichealthplansgivesomebenefitsontheseafterevery
specificperiod.Checkinthepolicywhatyoucanavail.
Allsaid,creatingahealthfundwillbemoreappropriate.
ReplyLink

vimalchandjainMarch7,2013,3:20PM
MYSELFDOB29111974WIFEDOB2791977SONDOB08042005.WHICHMEDICALINSURANCETOTAKE?LOTOF
CONFUSION.APOLLOOPTIMAISGOOD?INDIVIDUALORFLOATER?
ORMYSELFINDIVIDUALANDMYWIFEANDSONINFLOATER?
ReplyLink

JitendraP.S.SolankiMarch13,2013,6:31PM
HiVimal,
YoucanconsiderOptimafromApollo.Butlookatwhetherfeaturesmatchesyourrequirements.
Ifthepremiumpaymentiswithinyourrangeyoucanconsidertheoption.Breakingitintotwoisadvisableifitlowersdownyourpremium.
ReplyLink

HemantGuptaMarch13,2013,1:11PM
HiJitendraji,
Ihaveorientalfloaterpolicythatincludesme(50yrs)spouse(44yrs)&child(17yrs).NowiwanttoswitchovertoApolloMunichfloater.
whatisuradviceforchangingtoApollo?plsdiscusscomparisonbenefitsbetweentwo?orshouldigoforothermediclaimcompany?alsosuggest
floaterorindividual???..thanksinadvance
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awaitingforurguidance&valuablesuggestion.
ReplyLink

JitendraP.S.SolankiAugust7,2013,1:54PM
HiHemant,
Althoughportabilityisavailableifyouarenotsatisfiedwiththecompanytherearecertainruleswhichneedtobetakenintoconsideration.First
andforemostthefinaldecisionofportingyourpolicyrestwiththecompany.Secondlywhatbenefitsaretobecontinuedandwheretohavea
limitationsisalsodecidedbythecompany.Sometimesthecompanymayexcludesomebenefitswhichyouwereenjoyingormayimposesome
waitingperiodsevenifyouhavecompletedtheterminthepreviouscompanyifitisfoundtobeonahigherrisk.
Apollohasastrongunderwritingandsoyoushouldfirstconfirmfromthecompanyoncontinuationofyourbenefits.Youcanvisittheiroffice
andtalktotheofficials.Butifyoutakeadecisiondoitwellbeforeyourrenewalsothatyouarenotdissapointedlaterandhavetimetothinkif
youarenotsatisfied.
ReplyLink

DChattopadhyayMarch22,2013,4:54PM
HiJitendra,
Iwouldliketobuyamedicalinsurancethatwouldcovermywifeandmyself(both28yrsold).Weareyettohaveachildsowewouldprefera
policythatwouldcoverpregnancycoverage.ButmymainconcernisthatIamintoatransferablegovernmentservicewithservicecitiesincluding
manysmallcitieslikeDhibrugarh,Assametc.
Ineedtochooseacompanythathasgreaternumberofnetworkhospital.
Ineedyoursuggestion.
Thankyou
ReplyLink

JitendraP.S.SolankiAugust7,2013,2:07PM
HiMr.Chattopadhyay,
MostPrivatecompaniesarehavingalargenumberofhospitalnetworktoday.IncaseofPSUsthenetworkislimitednow.Thelistofthese
networkhospitalsyoucangetfromthecompanieswebsiteorevenfromtheofficialsbeforeyoudecideonthepolicy.Thereyoucancheckfor
anypreferredcity.
RecentlyIRDAmadesomechangesinhealthinsurancewheretheyhaveenhancedthedefinitionofnetworkhospitalswhichhaveactually
increasesthehospitalnetwork.Also,thenetworkismoreforcashlessbenefit.IfthehospitalisnotthereinthelistbutmeetstheIRDA
definition,youcanalwaysclaimreimbursements.
Withregardtopregnancycovercompaniesofferitbutwithsomewaitingperiodrangingfrom2yearsto6years.
ReplyLink

CHIRAGMarch23,2013,1:30PM
HiJitendra
Iam31yrsoldandiwanttocovermyspouse(29yrs)+mychild(3yrs)+myparents(61yrsfather&58yrsmother)underfloatercashlesshealth
insurance.IwantSAof35Lacwithannualpremiumbetween1015k
Needyoursuggestionforbestpolicyforthiscombination
ReplyLink

JitendraP.S.SolankiAugust7,2013,2:26PM
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HiChirag,
Coveringyourparentsinthesamepolicyasyouandyourfamily(spouse&child)willnotbeawisedecision.Thisisbecausefirstlythe
premiumarecalculatedonthehighestagememberwhichwillprovetobecostlyandsecondlytheprobabilityofillnessathigheragewhichwill
affecttheentirefamilycover.
Itisidealtocoveryourparentsinaseperatepolicyandrestinother.YoucanconsiderApolloMunichorMaxBhupaforboththerequirement.
Thepremiumforyourparentswillbehigherduetotheirage.
ReplyLink

DipaliApril5,2013,11:57AM
HiJitendra,
Iamlookingforagoodhealthinsuranceformyfamily.And,Iwanttocoverfollowingmembersinmyfamily:
Self:Age37yrs
Spouse:Age37yrs
Son:Age2Years
Father:Age70Years
Mother:Age65years
So,canyoupleaseadvisemebestoptionsforthesame.CanOptimarestorefulfillmyrequirement?
Thanks
Dipali
ReplyLink

JitendraP.S.SolankiAugust7,2013,2:49PM
HiDipali,
Ideally,youshouldbuytwopoliciesOnecoveringyourparentsandotherrestofthefamilymembers.Thereasonisthehighageofyour
parentewhereprobabilityofillnessishigherandsocompaniesimposelotofconditions.
Amongyourparents,yourfatherhasreached70andsotherewillbeverylessoptionforhim.Thepremiumfromtheavailableoptionswillbe
veryhighandmaynotbeinyourbudget.Assuch,themoreviableoptionwillbetocreateahealthfundforhim.Foryourmotheryouanconsider
ahealthpanascompaniesgenerallyhavethebasichealthplantillage65.Postthistheoptionsareonlyseniorcitizenplanswheretheoptionsare
limited.
Foryourselfandrestoffamilyoptimastoreisagoodoptionbutunderstandthetermscarefully.Ifnotwithinyourparameters,youcanalso
considereasyhealthfromApolloMunichorproductfromothercompaniessuchasMaxBhupa.Butdoacomparsionandmatchwithyour
requirementtotakethefinaldecisions.
ReplyLink

sindhu102April15,2013,5:46PM
Letssayapersonhastakenpolicyfor5LSI,
1)Inthefirstyear,iftherearenoclaims,theNCBwouldbe50%ofSI.SoforsecondyeartheSIwillbe7.5L
2)Nowifinsecondyearthereisaclaim,thebonuswillreduceby50%ofSI.
SonowtheSIfor3rdyearwillbe5Lagain.
3)Inthethirdyear,ifthereisaclaimagain,willtherebeanyloadingsincethereisnobalancebonustodeduct?Also,reductioninbonushasbeen
mentionedas50%ifthereisclaim.
Is50%aconstantnumberirrespectiveoftheclaimamount?
Also,everywhereNCBaccumulationisshowninexamplesupto2yearsonly,whathappensifthereisnoclaimonapolicyforletssay4or5years?
ReplyLink

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JitendraP.S.SolankiSeptember30,2013,1:49PM
HiSindgu102,
1.TheNCBincreaseordecreaseapplytoNCBonly.Thesumassuredonehasoptedforwillnotgetreduced.Apollodoesnotapplyloadingon
premiumorSAsoaftertwoclaimsinthirdyearalsoyouhaveaclaimthenthereisnoNCBbenefitbutyouwillnothaveanyloadingeitheras
Apollodonothaveloadings.However,dorememberthatacompanycanalwaystakeadecisionifclaimscontinuesforalongperiodeveryyear.
2.ThereisalwaysamaximumcappingontheNCBinanyhealthinsurancepolicy.Itdonotcontinouslyincreases.GenerallyoncetheNCB
reachesequivalenttoyourSA,thereisnofurtherincreaseinit.
Ihopethisclarifiesyourdoubt.
ReplyLink

AnilMokhadeMay22,2013,8:09AM
DearMr.Hemant,
Iamthankfultoyouforgivingthisinformationonhealthinsurance.Butisitusefulforcentralgovt.employeehavingCGHSfacility?
withwarmregards
Anil
ReplyLink

JitendraP.S.SolankiSeptember30,2013,1:54PM
DearMr.Anil,
CGHSgenerallyprovidesyouacomprehensivehealthcoverwithhigherlimits.However,youcananalysewhatlimitationsarethereinCGHS
andthenconsidertheadditionalhealthinsuranceifitfulfillsthose.
ReplyLink

sanjayshrivastavaJune17,2013,11:39PM
Ihaveagroupmediclaimfrommyemployerofrs4lack.Iamwithco.fromlastsevenyear.recentlyIhaveundergonekidneytransplant.ifIleavethe
companycanIgetthesamepolicybenifitasIhavenopolicyotherthancogrouppolicy.plsguide
ReplyLink

JitendraP.S.SolankiSeptember30,2013,2:26PM
HiSanjay,
GroupInsurancebenefitareapplicabletillyouarewithyouremployer.althoughportabilityhasmadeitpossibletoportyourgrouppolicytoan
individual/floaterpolicy,itdoeshavesomerestrictions.Firstly,forfirstyearithastobewithsamecompanyfromwhichyouarehavingyour
grouphealthpolicy.fromsecondyearyoucanportittoyourchoiceofcompany.Butwhichbenefitscompanywillbecontinuedwillbedecided
bythecompanyafterunderwriting.Alsothecompanymayhavesublimitsinitspolicywhichwillapplywhenyouport.Soitmaybea
probabilitythatyougetlessbenefitthenwhatyouareenjoyinginyourgroupinsurance.Hence,itswisertohaveastandalonepolicyalongwith
groupsothatyoudonotmissoutonhealthinsurancewhenyouleavethecompany.
ReplyLink

sanjayshrivastavaJune17,2013,11:47PM
howcanIconvertgroupmediclaimpolicytoindividualpolicyincaseIleavecompany.asIhaveundergonekidneytransplant20daysbackandIhave
nomediclaimpolicyotherthengroupmediclaimpolicy.Iamwithcofromlast7year.
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pleaseguide
ReplyLink

AshutoshGuptaJuly30,2013,11:41PM
Hi,
CanyoupleasecompareOptimaRestorewithReligareCarepolicy??Ithassimilarbenefitsandlesspremium.Whichisbetter??Alsowouldliketo
knowhowboththesecomapaniesstandonclaimsettlement??
Thanks,
Ashutosh
ReplyLink

JitendraP.S.SolankiNovember16,2013,3:46PM
HiAshutosh,
ThedetailsofclaimsettlementyoucangetformIRDAwebsite.Asfarasproductsareconsideredbothhavefeatureswhicharegoodenough.
Religareisfairlynewandsotheyhavetriedtocompeteonsomeadditionalfeatureandpremium.Apollohasmorenumberofproductsinits
basketandalongerexperiencethenReligare.
Lookatyourrequirementandthenchoosewhichmatchesyoursbest.
ReplyLink

GauravAugust3,2013,12:44AM
Hi
Thankyouforyoursterlingservices,Iverecommendedyourwebsitetofriends.
Now,mysituationis
Ima45yearoldITworker,mywifeis39yearsold.MyparentsandI,aswellasmyparentsarecoveredbymyemployershealthInsurancePlan,
whichhappenstobeunderApolloMunich.
Now,giventheuncertaineconomyandstateoftheITservicesbusiness,Ivedecidedtotakeanotherhealthinsuranceplan,alongwithcriticalillness
cover(whichmaybearider,oraseparateplanfromthesameoradifferentinsurer)formywifeandmyself.Pleasenotethatweretryingtohavea
babysocoverageforpossiblepregnancywouldberequired,shouldthathappen.Ialsowishtohavecoverageforanycriticalillness(aboutRs5L,
min).ThismaycomeasaridertoageneralhealthinsurancepolicythatIllbuy,orasaseparatepolicyfromthegeneralhealthinsureroradifferent
insurer.IhopeIveexplainedadequately.
Nowinthisscenario,whichInsuranceplanwouldyourecommend?IveheardofApollosOptimaRestorePolicy,butthisdoesntcoverpregnancyor
doesnthaveacriticalillnesscover.WhatIfIbuythispolicyforus(mywifeandI)aswellasaseparateCriticalIllnessPolicy(sayfromMaxBupa)
foradditionalcover?Orwouldyousuggestadifferentpolicy/combination?
ImsuretherearemanyotherpeopleinthesamesituationasIandyoursuggestionwouldbegreatlyhelpful.
ReplyLink

JitendraP.S.SolankiNovember17,2013,6:58AM
HiGaurav,
Pregnancycoverinmosthealthinsurancepoliciesgetcoveredafterawaitingperiod.Thiswaitingperiodisgenerallyfrom36years.InApollo
MunichpoliciesothertanOptima,itis6yearswhileMaxBhupahas23years.Ifpregnancycoverandcriticalillnessiswhatyouareseeking
thenyoumayhavetobuydifferentpolicies.YoucanlookatMaxBhupaforyourspouseandApolloEasyHealthwhichhascriticalillnessrider
foryourself.
ReplyLink

sanjayshrivastavaAugust6,2013,5:46PM
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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iam40yrold.gonethroughkidneytransplanton22may2013.throughemployermyfamilycoveringroupmediclaimpolicy.lastyearihavepaid
premiumforenhancesumassuredfrommypocket.iamincomplanyfromlast9yearandhavingasamemediclaimpolicynowiwanttoifichangemy
jobhowicanconvertthispolicyonmyname.iamreadytopaypremiumasihavepaidlastyear.
pleaseguidehowicantakethispolicyonmynameifiquitfromthisjob.
plsreplyonmymailid.
Regards
sanjay
sanjay
ReplyLink

PRASADAugust7,2013,12:31PM
DearSir,
Thankyouforyoursuggestion.Canyoupleasesuggestmefewgoodterminsurancepolicies.IamNRI.AmIeligibleforthispolicy?
ReplyLink

JitendraP.S.SolankiNovember17,2013,7:01AM
HiPrasad,
YesApolloMunichissuepoliciestoNRIsalso.ButdorememberthattheyareapplicableonlyfortreatmentinIndia.WithregardstoTerm
Insurance,youcancheckwithKotak,HDFCorICICI.
ReplyLink

RUPAKKUMARSeptember15,2013,1:13PM
DearJitendraji/Hemantji
Afterreadingyourvaluablearticleandallcomments,ithoughtthatApolloMunichOptimaRestoreplanisbestfamilyfloaterplanformealthoughit
lagsbehindMaxBupaHeartbeatplaninHealthcheckup,Maternitybenefit,Nursingallowance,NewbornbabycoverandcoveringPreexisting
diseasescoverage(Maxcoversafter4yrscontinuousRENEWALbutApollocoversafter4yrscontinuousCLAIMFREERENEWAL).Ontheother
handOPTIMARESTOREplanshasspecialfeatureslikeRESTORE&MULTIPLIERbenefits.Finallyicheckedpremiumrateafter45yrsage(asafter
thisagepremiumratechangesalarminglyanditwillbedecidingtoknowcompanysrealcolor)anditwasarudeshocktome.Whereasatmypresent
age34yrsPREMIUMFORMAXISRs16633ANDFOROPTIMAitisRs11149butat46yrsPREMIUMFORMAXISRs21856andFOR
OPTIMAitisRs24230!!!(Morethan100%increase)..itmeanswhenthisplanneedsmostthenthepremiumbecomestoohigh.
ReplyLink

JitendraP.S.SolankiNovember17,2013,7:08AM
HiRupar,
Thepremiumsaredecidedonthebasedoftheprobabilityofillnesses.Athigheragetheprobabilityishigherandsothepremiumwillincrease.
ApolloOptimaRestorewouldhaveincreasedmuchhigherconsideringtherestorebenefittheyareproviding.
InmyviewyoushouldcompareApolloEasyHealthwithMaxBhupa.
ReplyLink

KaushikSeptember19,2013,12:14AM
HiJitendra,
ThankyouforyourreviewonApolloMunichandallyoursuggestionstoeveryone.
IamalsoinaslightdilemmawhethertogoforMaxBupaHeartbeatFamilyFloaterwith20lacsSApremiumaround16korgoforApolloMunich.Just
togiveyoumybackground,Iam34yrsold,marriedandwifeis35yrsold,nokids.
Pleaseadvise.
Thanksinadvance.
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ReplyLink

JitendraP.S.SolankiNovember17,2013,7:16AM
HiKaushik,
InmyviewIRDAhasmadeitsimplerforyou.Withnewnormsifyouhavemultiplepoliciesyoucanclaimfromanyoneentirely.Previouslyit
wasnotsoduetocontributionclausei.e.companiesusetogiveclaimsonlyuptotheirshareinyourtotalcoverage.
Soifthereissomespecificcoveragewhichyouneedandavailableineachoftheseproductsyoucanconsiderdividingyourinsurancebetween
thetwo.Elsegowiththeproductwhichbestmatchesyourrequirementandmakepremiumasecondaryconsideration.
ReplyLink

RahulsinghSeptember28,2013,10:48PM
sirmyageis34years.Iamdiabetic(tracedbefore6months).Ihavewifeand2kids.Pleasesuggestsomepolicyi.e.apollomunichoptimawillbea
goodoptionorsomeotherpolicy
ReplyLink

JitendraP.S.SolankiNovember17,2013,7:20AM
HiRahul,
Apollomunchdonotcoverdiabeticpatientssoitwillbeoutofyourchoice.Youshouldlookatbuyingtwopoliciesoneforyourselfwhere
diabeticcoverisavailableandsecondyourspouseandchildforwhichyoucanconsiderApolloMunich.ForyourselfyoucanconsiderPSUs
likeNationalIndiaInsurancewhocoversdiabitieswithsomeadditionalpremium.Forcoveragespecifictodiabities,youhaveevenStarHealth
DiabeticCare.
ReplyLink

anilkoulSeptember29,2013,9:47AM
Rahuljee,Apollomunichwillnotentertainyourproposalsincediabetiesisdeclineinapollohoweveryoucangetcoverfrommaxbupa(except
silverplans),icicilombard&religareprovidedyouhavetype2diabetiesonly.
ReplyLink

virendraOctober9,2013,9:35PM
respectedjitendraji
pleaseguidemeinchoosingappropriatehealthinsurancepolicyforme(43yrs)myparentswhor68yrsn64yrs,mybrother38yrshiswife34yrschild
8yrs.
ReplyLink

JitendraP.S.SolankiNovember17,2013,7:31AM
HiVirendra,
YoucanconsiderApolloMunichEasyHealthorMaxBhupaforyourself.Foryourparents,healthinsuranceatthisagewillbecostly.Youcan
considerApollyEasyHealthforagebelow65andaseniorcitizenpolicyforageabove65.Butinmyviewyoushouldcreateahealthinsurance
fundtooaspremiumswillincreasesubstantiallyataveryhighage.
ReplyLink

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VishalOctober10,2013,1:29PM
Hi,
HowwouldyoucompareBajajAllianzHealthGuardwiththeApolloMunichOptimaRestoreandeasyhealthpoliciesweareafamilyof3,mywife
is32,Iam33andmychildis1.
Lookforwardtohearingfromyou.
Vishal
ReplyLink

JitendraP.S.SolankiNovember17,2013,7:37AM
HiViashal,
CompareBajajHealthGuardwithApolloMunichEasyHealthandthenseewhichbestmatchesyourrequirement.ApolloMuncheasyHealth
hasaspecificRestorefeaturewhichmakesitadifferentcategorywhereonlyfewcompanieslikeStarHealth&Religarehaveaproduct.
ReplyLink

NitinSinghOctober10,2013,9:53PM
HelloSir,
IsdiseaselikeCanceristreatedundernormalhealthplanorwehavetogoforCriticalIllnessrider.Ifso,thenpleasesuggestthebesthealthplanwith
CriticalIllness.
Regards,
Nitin
ReplyLink

JitendraP.S.SolankiNovember17,2013,7:41AM
HiNitin,
Anygeneralhealthinsurancepolicycovershospitalizationexpensesduetoillnessestheycover.Cancerisverywellcovered.Butsincethe
treatmentcostarehigheranditmaynotbetfeasibletotakesuchahighcoverageamountduetopremiumcost,acriticalillnessrideraimstofill
thatgap.
ReplyLink

VikasOctober27,2013,8:40PM
Hi,
Ihavefollowingqueries,pleaseanswer
1.CanIhaveMedicalpolicywith2differentInsuranceco.?Isthislegal&valid?
2.Howanyclaimcanbesettledinabovecircumstances,ifitiscrosseslimitof1stpolicy?becauseeverycompanyneedsdocumentsinOriginal?
Fore.g.
1stpolicySA=2L
2ndpolicySA=3L
Ifclaimcomesfor4L,thenhowtheclaimwouldprocess?
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Thanks!!
ReplyLink

JitendraP.S.SolankiNovember17,2013,7:44AM
HiVikas,
YesyoucanhavemultiplepoliciesandafterOctober1st2013,IRDAhasmadechangeswhereinyoucanclaimfromanyofyourpolicyfor
entireexpenses.Theexampleyouhavestated,youcanclaimRs2lakhfromfirstandthenRs2lakhfromsecond.
ReplyLink

VikasOctober28,2013,11:48AM
Hi,
Ihavefollowingqueries,pleaseanswer
1.CanIhaveMedicalpolicywith2differentInsuranceco.?Isthislegal&valid?
2.Howanyclaimcanbesettledinabovecircumstances,ifitiscrosseslimitof1stpolicy?becauseeverycompanyneedsdocumentsinOriginal?
Fore.g.
1stpolicySA=2L
2ndpolicySA=3L
Ifclaimcomesfor4L,thenhowtheclaimwouldprocess?
Thanks!!
ReplyLink

VikasJainOctober31,2013,6:03PM
HiJitendra,
Thatwouldreallynice,ifyourreplyonbelowqueries
1.CananyonehaveMedicalpolicywith2differentInsuranceco.?Isthislegal&valid?
2.Howanyclaimcanbesettledinabovecircumstances,ifitiscrosseslimitof1stpolicy?becauseeverycompanyneedsdocumentsinOriginal?
Fore.g.
1stpolicySA=2L
2ndpolicySA=3L
Ifclaimcomesfor4L,thenhowtheclaimwouldprocess?
ThanksinAdvance!!
ReplyLink

VikasOctober31,2013,6:05PM
Hi,
Thatwouldbereallynice,ifyouanserwquery#323.
Thankyousomuch!!
ReplyLink

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JitendraP.S.SolankiJanuary22,2014,12:04PM
HiVikas,
Thatqueryisalreadyanswered.
ReplyLink

RakeshKhuranaNovember8,2013,10:59PM
Hi,
Pleaseadviseagoodhealthinsurancefamilyfloaterwithme38years+wife+2sons13&9.SAshudbe3or5lakhsthanxRakeshKhurana
ReplyLink

JitendraP.S.SolankiJanuary23,2014,11:34AM
HiRakesh,
ThedecisionofSAhastobeonthebasisofyourlivingcityandyourpreferrednetworkofhospitals.Alsothelargeristhefamilygroupsizethe
higherhastobethecoverage.IngeneralwhileyouareinametrocitylikeDelhiorMumbaiaMinRs3lakhcovershouldtherepermember.So
ifyouaregroupoffouritshouldbeatleastaRs12lakhcovershouldbethere.Butpracticallythismaynotbefeasibleconsideringyoumight
haveapremiumconstraint.InthatcaseyoucangoforafamilyfloaterofRs56lakhandaddatopuporasupertopuppolicylaterwhichare
cheaperandhelpyouinenhancingyourcoverage.NotmanycompanieshavethesepoliciessomeofthemiknowareStarHealth&UnitedIndia.
Thereareothertoosocheckoutonthem.
Forgeneralhealthinsurance,MaxBhupaandAppolloMunichhaveproductstoconsiderifyoudonotwanttohaveanysublimitsbutyouneed
tomatchthemwithyourrequirementsandthendecide.EventhenewcompanyReligarehasafairlycompetitiveproduct.OtherslikeStarHealth
orPSUshavesublimitsintheirpolicieswhichyoushouldtakenoteofifmakingachoice.Myadviseistosetsomeparametersonthescopeof
coverageyou
needandthentakethehelpoffewwebaggregatorstocheckwhichcompanieshavethosefeatures.Thiswillhelpinrefiningyourchoice.
ReplyLink

MannuChaudharyNovember14,2013,4:36PM
HiDearJitendera&Hemant,
VeryniceanalysisofthepolicywhichmakesitmuchclearerthentheotherhealthcareproductsinthemarketwithrespecttoHealthInsurance.the
Onlythingiwanttoaskis
1.letssayifLipidandLiverprofileofapersonisnotwellduetoanyreasonDotheylateronDenytopayforthetreatment?(Generallyallthe
CompaniessaythatitmightbeduetoexcessiveintakeofIntoxicants).
2WhatkindofMaternitybenefitsarethere?(Ifweareplanningtoconceiveabayinamonth,twoorThreewhetheralltheexpenseswouldbecovered
underitornotinthefamilyfloaterplan).
3.LetssayyouaregoingforthetreatmentoforsurgeryofanythingincludedinthepackageandlateronDoctorswouldsuggestsomethingelse
whetheritwouldbecoveredunderitornot?(IfDoctorsareoperatingforaincludeddiseaselaterontheyfoundsomechronicorexcludeddisease
inside,cantheyDenytopaytheHospital).
PleaseGuide.
Mannu
ReplyLink

JitendraP.S.SolankiJanuary26,2014,12:32PM
HiMannu,
1.Ifduringthepolicyissuancecompanyiswellinformedoftheillnessthroughpolicyholderdeclarationormedicaltestthenthereisnoreason
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thattheywillnotgiveanyclaim.Butincaseithappenslaterthencompanydohavelimitationsonwhentheclaimwillnotbegivenwhichiswell
illustratedinthepolicywordings.
2.Maternityexpensesaregenerallycoveredafteracertainwaitingperiods.Thelimitationsoncoverageyoucangetfromthepolicywordings
whichisfreelyavailableatcompanieswebsites.
3.Anykindofexclusionsisstatedinthewordings.Youshouldreaditoncewhereyouwillgetmostoftheclarity.
ReplyLink

paramNovember22,2013,5:44PM
sir,
ifwesufferfromsomeillness/diseaseforwhichnohospitalizationisrequired,justgottreatedwithmedicinesstayingathome.theniwanttoaskthatif
onecanclaimtheexpensesincurredforthediseaseorillnessfromtheinsurancecompanyornot???
ReplyLink

JitendraP.S.SolankiJanuary23,2014,10:53AM
HiParam,
Healthinsurancepolicies,ingeneral,docoverdomiciliarytreatmentincaseswherehospitalizationwasrequiredbutduetocertainreasonthe
patientcannotbetransferredtohospitalandonadviceofmedicalpractitionerhastobetreatedathome.Buttherearemanyconditionsattached
toitfore.g.aminimum3daytreatmentetc.Incaseofillnesseswhere24hospitalizationisnotrequiredwillbetermedasdaycareandtheretoo
companieshavealistandterms.
Youneedtocheckyourcompanypolicywordingstoseewhatarethetermsinyourpolicyanditwillalsostatewhenandunderwhichillnessthe
companywillnotgiveaclaim.
ReplyLink

CHAKRAPANIJanuary20,2014,4:58PM
Hi
nevertakeapollomunichhealthinsurance.theirpolicytermswillbeattractive..buttheircustomerservice,agents,arecompletelyirresponsibleand
serviceisworst.
Remember,THEIRSALESSERVICEisexcellent..butafterthat..itscompletelyworse.
BEWARE
ReplyLink

SameerJanuary22,2014,10:55PM
Verymuchagreewithyou.
ReplyLink

ShalemJanuary23,2014,2:40PM
Hi,
IamprettymuchconfusedregardingchoosingahealthpolicybetweenAppoloMunichandICICIlombard,Ihaveagoodexperiencewithicicilombard
withregardstomymotorinsurance.Iambuyinghealthinsuranceforthefirsttime.plscouldyousuggestifishouldgoaheadwithiciciorappolo.
Iamlookingfor3laccoverformeandmyspouse.
ReplyLink

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JitendraP.S.SolankiJanuary26,2014,11:48AM
HiShalem,
Ifyouaresatisfiedwithyourcurrentinsurerthanthereshouldnotbeaworrynbuyingahealthinsurancefromit.Butbeforeyoupurchasedoa
comprehensivereviewoffeaturesbymatchingwithyourrequirementsandgothroughthepolicywordingstoknowexactlywhereyouwont
receiveaclaim.
ReplyLink

himanshuJanuary29,2014,11:13PM
Hi
Iam29yrsofageandmywifeis25yrs.Iamlookingforahealthinsurancepolicyforbothofus.Wegotmarried1yearback.Amconfusedbetween
MaxBupaFamilyfloaterandApollomunichOptimarestore.ActuallyIhaveanelderbrotherwhoismarriedandhasa3yroldson.Weweretoldby
maxbupaagentthatifwetakefamilufirstplanwithmyfatherasthepolicyproposerthenall5ofus(me,wife,brother,bhabhiandnephew)willbe
coveredwithsumassuredaswellaswecancreateapoolofmaxm15lakh.WhatIwishtoaskyouisthatalthoughitappearsaniceideatomeand
brother,buthelivesinmumbaiwhileIamsettledinJodhpur(rajasthan)andhereinjodhpurthereisnoofficeofmaxbupawhilethereisanoffice
ofapollomunich..alsothelistoftieduphospitalsisalsoanissueasthelistdoesnotincludeallthetophospitalsinjodhpur..Myprioritiesare
simplelowpremium,maxmcover,noclaimbonus,nocapping,totalcashlessfacility,goodandeffectiveserviceandquickclaimsettlement.Kindly
helpmeandsuggestwhichpolicyweshouldgofor.Wouldhighlyappreciateyoursuggestion
ReplyLink

JitendraP.S.SolankiFebruary17,2014,2:00PM
Himanshu,
Coveringallfamilymembersinasinglepolicyisnotagoodidea.Oneotherdrawbackisthatthepremiumwillbecalculatedontheeldest
member,whichinthiscasewillbeyourfather.Sootherfamilymemberswillbepayingahighercost.Andasyouhavementionedthatitdoes
notcovermajorhospitalinJodhpur,thepolicymightnotbeaviableoption.
Ideallyyouandyourbrothershouldcovertheirfamiliesthroughdifferentpoliciessinceyoubothresideindifferentcities.Evenforyourparents
youshouldbuyaseperatepolicysincepremiumsareonhighersideforhigheragegroup.YoucancheckwithPSUscompaniesforhospital
network.IfmostofinsurancecompaniesdonotcoverthosehospitalsthenyouwillhavetorelyonclaimingthroughReimbursement.Inthatcase
youcanconsideranycompanywhichhavefeaturesyoudesire.Buttodealwiththesituationyouwillhavetobuildahealthemergencyfund.
ReplyLink

somannaFebruary18,2014,10:41AM
DearAll,Myinsuranceclaimwasrejectedwithnoreasonsgiven.Wheniquestionedthem,theygavemeanexplanationthatwasnotapplicabletome,
onlysinceiknowmyrightsIwasabletoquestiontheirintentions.Ireceivedonecallbackandnoothereversincemycomplaint.Theyonlysentme
myrenewalpolicypromptlyasusual.Letmeupdateallabouttheirintentiontocheatclients.Ihavebeeninsuringmeandmywiferegularlyyearafter
year.Wewerewithhdfcandswitchedtoapollomunichpayingthehighestpremiumsforthebestpossibleplan.Myclaimwasrejectsayingthatthere
wasawaitingperiodfortheconditionstipulated.Ihavebeencheatedbytheinsuranceagent,whyelsewouldtheynotgivemeaportabilityplan,itsa
facilitystipulatedbythegovtofindiatosafegaurdthecommonman.WhyshouldIwaitanother2years,amIstupid.Theclaimwassmall,Rs
40,000/thankgod.Iamgoingtosafegaurdmyselfandothersfrommakingthemawareofthecheatsthesepeopleare.Theirinsuranceagentsare
cheatingpeople,fillingoutbogusdetails,whatdotheythinktheywillgetawaywithsuchcheating.Theywish!Iwillbeswitchingshortly!!
PolicyNo:600001845201
Claimid:170494
ReplyLink

JitendraP.S.SolankiMarch2,2014,5:20PM
Somanna,
Sorrytohearaboutyourclaimrejection.
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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Portabilityisafeatureavailabletoeveryoneandyoucanswitchtoanyinsurer.However,thereisalimitationhere.Whenyouportyourcurrent
healthinsurancetoanewone,whatbenefitsaregoingtobecontinuedinyournewpolicyisdecidedbythecompanyonly.Soifcompanywhere
youareportingyourinsurancefeelsthatfewoftheconditionscannotbeportedthenitwillbetreatedasfresh.Thissimplymeansthatin
portabilityitsnotnecessarythatallthebenefitsofyourpreviouspolicywillbeported.Thisdecisionrestwiththecompany.
Thisishowportabilityworks.Wearenotat100%portabilitysincefeaturesamongproductsvaryatcompanies.Whateverbenefitscompanyhas
continuedordiscontinuedwillbestatedinyourpolicywordings.Soinmyviewbeforemakingsomanyswitches,takethisfactorinto
consideration.
ReplyLink

sriramreddyFebruary19,2014,3:08PM
DearMr.Jitendra,
IamLivinginhyderabadwithmywifeandanewborn.iamlookingathealthinsurancepolicyandhavestudiedfewcompaniesandcametoa
conclusiononthefollowing,MaxBupa,Religare&ApolloMunich.Ihavealreadytakena2lakhindividualpolicyformyselfand2lakhpolicyformy
motherfromApolloMunichforthelast2years.AlsoihaveCIfromAVIVAfor3lakhswhichihavetakenaspartofsomeinvestmentpolicy.Nowi
amthinkingoftakingonehealthinsurancecoveringmyself,wifeandbabyortakeonecomprehensivefamilyfloaterpolicyfor4ofus.iamlooking
forapremiumofRs.2000030000,idontwanttocomparehealthinsurancecompaniesforthepremiumamountvariationbutwanttocomparethemfor
theserviceandtheirproducts.idontwantanysublimitsoranycapinthepolicy.kindlysuggest.Thankingyouinadvance
ReplyLink

JitendraP.S.SolankiMarch2,2014,7:11PM
Sriram,
Keepyourmotherpolicyseperatesincethepremiumsarecalculatedattheeldestmemberage.YoucanchoosefromApolloormaxBhupaifyou
donotwantanysublimits.Foryourmother,ifsheisaseniorcitizen,thentherewillbelimitsontheclaims.
Comparetheproductswithyourrequirementandthenchooseonewhichbestmatchesthem.
ReplyLink

vandanaMarch3,2014,7:05PM
Hi,Imsingleparentof37yrswithsonwhois6yrsold..shouldItakecoverof3lacor5plssuggest.
ReplyLink

JitendraP.S.SolankiApril24,2014,3:09PM
Vandana,
YoushouldavailaRs5lakhcoverforcoveringboth.
ReplyLink

DheerajMay14,2014,11:54PM
HiJitendra,Iamgoingtobuyafamilyfloaterplanforselffor15lacs.HavedecidedtochoosebetweenReligareCareSuperNCB&ApolloMuncih
OptimaRestore,howeveramconfusedonRestorebenefitofApolloversusRechargebenefitofReligare..
Dotheyworksimilarlyoristhereadifference.Ifsomeonetakesacoverofsay5lacsandmemberAuses4lacsandthenmemberBruns3lacsbillin
thesameyearthenwhatwouldbethepayoutinsuchacaseforboththepolicies
Pleaseguide
Regards
ReplyLink

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JitendraP.S.SolankiJune4,2014,3:36PM
Dheeraj,
YesthereisadifferenceinRechargeandRestoreoption.Inrechargetheadditionalsuminsuredwillbereinstatedevenifyouhavenotexhausted
thebasicsuminsuredcompletely.Alsorechargecanbeusedmultipletimesinayear.ButinrestoretheSumInsuredandNCBhastobe
completelyexhaustedanditcanbeclaimonlyonceinayear.
ReplyLink

pankajwadibhasmeMay17,2014,4:34PM
DearMr.Jitendra,
Iam30yearoldmarriedman,livingwithfamily.Iamlookingforahealthinsurancepolicyformeandfamily.Ivisitedpolicybazaarforthesameand
thereIfoundApolloMunichOptimarestorepolicybetterincomparisonwithotherpoliciesw.r.t.sumassured,multiplierandrestorebenefit.so,shallI
buythispolicyoristhereanyotherbetteroptions.alsoshallIbuytheindividualplanorafloaterplanformyfamily(spouse).
ihadgonethroughthewebsiteandbyguidingpeoplelikeusyouraredoingverygoodjob.Thanksalotforyourkindcooperation.
ReplyLink

JitendraP.S.SolankiJune4,2014,4:27PM
Pankaj,
Firstlythanksfortheappreciation.
Asfarashealthpolicyisconcernedmuchdependsonyourrequirement.Anyspecificfeatureinapolicyshouldnotbeyourdecision.Rather
lookatcomprehensivecoverageitisprovidingandtowhatextentitwillbenefitsyou.Readthepolicywordingstoseewhatisnotcoveredso
thatyouhaveaclearidea.Alsodounderstandthatfeatureslikethesecomeswiththeirconditionsonwhichyouneedtohaveaclear
understanding.Fore.g.restoreisapplicableonlywhenyouutilizedtheentireSunInsuredandNCBamount.
Sodoacomparisononbasedofcertainparametersandthenseehowahealthpolicymeetthose.Onceyouareconvincedthentakeadecision.
ReplyLink

pankajwadibhasmeMay17,2014,4:43PM
DearMr.Jitendra,
Onthewebsitethesuccessrateisof88%forApolloMunichOptimarestorepolicy.Pleaseletmeknowthisinactualpractice?
ReplyLink

JitendraP.S.SolankiJune16,2014,11:53AM
HiPankaj,
ThemoreauthenticfiguresonclaimsettlementareillustratedbyIRDA.Butunfortunately,thedataisnotavailableforhealthinsurance
companies.IRDApublishesonlyLifeinsuranceclaimsettlement.
Whatisillustratedoncompanywebsitecannotbetakenasadecisivefactor.Inmyviewcompanyhistoryandexperienceinhealthcaresectoris
oneimportantfactorwhichyoucanlookatapartfromproductfeatures.
ReplyLink

NirajJune9,2014,1:31AM
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HelloMrSolanki,itsnicetoseeyourespondingtosomanyqueriesanditsverynice.Itoohaveaquery.Iam39yearsoldwith35yearoldwife&two
kidsofages5&3respectively.Iwantafamilyfloaterof20lacsconsideringfutureinflationinmedicalcosts.Weareotherwisefitfamily
Whatwouldbebetteroption
1)OptimaRestoreofApollowithbasicpolicyof10lacs&topupof10lacsoverit
2)MaxBupaGoldplanwith5lacsofindividualcover&15Lacsoffloater
Option1seemstobecheaperbutoption2maygivemoreflexibilityintermsofanyexigencywherehighhospitalizationcostsareinvovlved
Pleaseadvise.Iamlookingatcleansettlement,transparency&optimumcost
ReplyLink

JitendraP.S.SolankiJune16,2014,12:25PM
Niraj,
Bothcompanieshaveenoughexperienceinhealthcaresectorandsoitsdifficulttomakethebestchoice.Inmyviewyoushouldselectthe
companywhichbestmatchesyourrequirementintheproduct.
ReplyLink

ShahidJune11,2014,4:52PM
IHaveRoyalSundaramMedicalPolicy.IPaypremiumofRs8000/appfor2laccover.AlsoIhavetopuppolicyofApolloMunichofRs5lacs.
IwantaskuwhetherApolloMunichhasitsowninhousesettlementorTPA?AlsoifIthinkofportabilitytoApolloMunichHowmuchpremiumwill
be?MyAgeis44,Wifeis43,Son16,Daughter9.
Rgds
Shahid
ReplyLink

JitendraP.S.SolankiJune16,2014,12:45PM
Shahid,
1.ApolloMunichhasinhouseclaimsettlement.
2.Youcanportyourpolicybuttherearesomekeypointswhichyoushouldtakeinconsideration.Thecontinuationofbenefitsinnewpolicy
willbedecidedbythecompany.Thismeansafterunderwritingcompanywilltakeadecisionwhichbenefitstheywillcontinueintheirpolicy
andwhichonetheywillhaveawaitingperiod.SoitmayhappenthatanyexistingillnessmightbefullycoveredinRoyalSundarambutApollo
Munichgivesawaitingperiodof12year.AlltheseyouwillcometoknowonlywhenyourpolicygoesforunderwritinginApolloMunich.
Moreoveryouhavetoapply46daysbeforerenewaldateofyourexistingpolicy.Thepremiuminthenewcompanywillbebasedontheir
product.
Inmyviewyoushouldfirstapplysothatyougettoknowaboutthescopeofcoverageandonlythendiscontinueyourexistinginsurance.
ReplyLink

AniJuly1,2014,2:24PM
notifyme
ReplyLink

AniJuly1,2014,2:27PM
Ivereliancesilverhealthwiseplanfamilyfloater.Iamplanningtogoforadditionalpolicy.IcheckedonMouthshutaboutApollomunicandall
reviewcommentsarebelowaverage.AfterreadingitImnotabletodecidewhethertogowithoptimahealthrestoreornot.
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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aniruddha
ReplyLink

AniJuly1,2014,2:53PM
Imafamilyof4members.myself42,wife39,daughter10,son4.
Ihavefamilyfloaterfor5Lfromreliancehealthwisesincelast6year.Noclaimhistory.
Myagentadvisedmenottoswitchsinceitssixyearsofnoclaimhistory,duetowhichtheclaimwillbesettledwithoutanyproblem.
Iamlookingformmorecover.andhesitatingtogowithrelianceagain.theyhaveincreasedthepremiumofmygoldpolicyfrom5000tomuchhigher,
andihadtosettledownwithsilveratthattime.aswellastheyarenotthebestinhealthinsurance.Soiplantogoforanewhealthinsuranceof5L
floaterandcontinueboth(relianceandthenewone).
IzeroedonoptimahealthrestoreandhappenedtoseereviewsonMouthshutaboutoptimahealthrestore.allreviewcommentsarebelowaverage.
AfterreadingitImnotabletodecidewhethertogowithoptimahealthrestoreornot.
Pleaseadvise.Aniruddha
ReplyLink

JitendraP.S.SolankiAugust17,2014,10:14AM
Aniruddha,
Therewillbesomelimitationsinanyhealthinsuranceproductandanynewproductwillarrivewithsomeadditionalfeaturestoexistingone.
WhenApolloMunichcamewithOptimaRestoretherewereveryfewsuchproductswhichsurelyhaveincreasedbynow.
Yourdecisionshouldrestonyourrequirementwhichshouldmatchwithfeaturesyouwanttoavail.Sogothroughthecoverageindetail.You
cancompareOptimaRestoreandReligareHealthtoseewhichonematchesyoursastheybothhaverestoreoption.
ReplyLink

KrishnaJuly6,2014,12:41PM
Hi,
Iamnewtohealthinsuranceandlookingforagoodpolicy.Hereismycase:
1.Myself39years,wife34yrs,Son9yrs(UScitizen),Daughter4yrs.WearestayingatBangalore
2.Companyprovidedpolicy3LandIhavetaken2L(astopup).
3.NowIhavecoupleofquestions:Isitgoodtotakeexternalpolicy?ShouldInottopupthisyearwithmycompany?
4.Lookingfor5Lpolicy
ReplyLink

JitendraP.S.SolankiAugust17,2014,10:31AM
Krishna,
Grouphealthinsurancedohavemanybenefitswhicharegood.Butthemajorissueisthatthemomentyouleavetheemploymentitsnot
available.Orifyouarechangingyourjobthenalsoitstartsasanewpolicy.Sowheneveryouleaveemploymentthegroupinsurancewillcease.
Theproblemariseathigheragewhenyouneeditthemost.Henceitswisertohaveastandalonepolicywhichyoucancontinueforyourlifetime.
Startingearlywillhelpyouinreapingthebenefitinlateryearsoflife.
YoucanconsiderApollo,MaxorevenReligarehealthforyourneed.
ReplyLink

ViralMehtaJuly8,2014,1:16PM
DearJiendraandHemant,
Thanksforpartingyourtimeadvisingindividualsineffecientinsuranceplanning.
Ialsoseekyourkindguidance.
http://www.tflguide.com/2012/01/apollomunichoptimarestore.html

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IworkasaCompanySecretaryataLimitedCompanybutneitherInormyfamily(Parents,Iamsingle)arecoveredbymycompany.Hence,Iam
planningtobuyAppolloMunichpolicy(Asperadviseofmyfinancialplanner).
Restorepolicyforme(SA3Lacs)andEasyHealthStadard/Exclusivepolicyformyparents(SA3Lacs).Isitagooddecision?
Icanseethatifonebuysindividualpoliciesthereisalesseramountofpremiumoneneedstopayagainstfamilyfloaterpolicy.So,shallItaketwo
individualpoliciesformyparentsorshallIgowithfamilyfloateronly?
Yourinputsarewelcome.
Thanks.
Viral.
ReplyLink

JitendraP.S.SolankiAugust17,2014,10:58AM
Viral,
Whatyouhavethoughtisgoodenoughforyouandyourparents.
InIndividualpoliciesthepremiumwillbelessasyouaretheonlypersontobecovered.Butwithinthefamilyfloaterpolicypremiumyoumay
gethighercoverageinindividual.Soideallyanindividualpolicygivesyoumorecoverage.Familyfloaterweconsidersincepremiumforall
membersmaybebeyondourbudget.Therearenodifferencesinthefeatures.Ifyoucanaffordthepremiumforbothyourparentsthen
individualpolicywilldogood.
ReplyLink

satyapalyadavJuly20,2014,9:21PM
ApolloMunichHealthinsuranceis3rdclassinsurancecompanynotcashlessfacilityavailableinnetworkhospitaleverytimedemandonebyone
documentandreplydelay.afterlasttellsettleallbillyourpocketandsendalldocumentforreimbursementandnotinformonetimewhatsproper
documentrequiredmycashlessclaimnotapprovedin4daysalldocumentsubmiteverytimewhenapollodemandme.
ReplyLink

anandOctober5,2014,1:40AM
Ihavetakenoptimarestorelastyear,thisismy2ndyear,itook5lacpolicy,Iamplanningtotakelicjeevanarogyaplan.Iheardapollomunichclaim
percentageisgood.
Shouldicontinuewithapollomunich?
ReplyLink

JitendraP.S.SolankiOctober20,2014,1:15PM
Anand,
YoucancontinuewithOptimarestorepolicy.LICJeevanArogyaisstructuredasapolicyforclaimingadditionalexpenses.
Readareviewhere:
http://www.tflguide.com/2011/06/licjeevanarogya.html
ReplyLink

VinayOctober18,2014,3:16PM
Ineedyourguidancetochooseahealthinsurancepolicyformyparents.
Myfatheris59andmotheris51.Myfatherhasnospecificdiseaseexceptoldagerelatedpainsandmotherhasorthoproblemforcoupleofyears.
Couldyourecommendapolicythatsuitsthem.ThanksVinay
ReplyLink
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S.ShahOctober19,2014,10:19PM
Ireadthisexcellentarticle,althoughafter2years.Iplantotakemedicalpolicyforselfandfamily(age:mine58,spouse:51,sons21&19).Tilldate
IwasfullycoveredbyCompanyandhencedidnotbothertotakeanypolicy(mymistake!).IplantotakepolicycoverageofRs.10Lakhseachfor
myself&myspouseandRs.5lakhseachforkids.ConsideringthattotalpremiumtouchesalmostRs.65,000/canItakepolicyoflowervalue(and
lowerpremium)withSuperTopPlansforindividualorfamily?Insuchacasewhichplanwillyouadvice?Ifnot,whichisthebestpolicyformy
family?
ReplyLink

RameshOctober28,2014,11:04PM
HiJitendrathanksfortheinformativearticleandtheresponsestomanycomments.Ihaveonemorequestiononrestorefeature.
Thepolicysaysthattheamountwouldberestoredonlywhentheentireamountisexhaustedandtherestoredamountcannotbeclaimedforsame
treatment.Idoubtifthiswouldbeusefulinmostofthecases.Letmegiveyouanexample:
SayMr.Ramtakeacoverof5L.Ramgetsahospitalizationclaimof4LfortreatmentofXailment.Hisleftovercoverageisof1Lnowforthatyear.
Now,againifhegetshospitalizedforanotherailmentYinthesameyearandtheclaimamountforthesameisnow3L.Willhehavecoverageforthe
entireamountoronly1Lashehadnotexhaustedhismaincoverageearlier?
ReplyLink

satyapalyadavOctober31,2014,8:21PM
HelloJitendraPSSolanki,
howmanycommissionfound.
becauseyounotshareapollomunichclaimsettlementRatioforyourinformationIamfacingproblemwithApolloMunichandyoucancheckIrda
complaintonetimeagainsuggestanycompanyplanforyourinformationmyApolloClaimnumberis
Forclaimid211683:1)ThememberwashospitalizedforlossofappetiteandVitaminDdeficiencywhichcouldhadbeenmanagedonOPD(outpatient
department)basis.
2)Thememberisalactatingmother,laboratorytestsweredonewhicharerelatedtoLactationanddeficiencywhichisalsonotpayableunderpolicy.
3)Thememberwasdiagnosedwithhypothyroidismandadmittedfor4days,treatedontablet&syrupandnoactivelineoftreatmentgiven.
Inviewoftheabove,theneedofhospitalizationisnotestablishedandclaimstandsrepudiated.
Forclaimid217137whichwasfiledwithuson05Sep2014,weobservethatthesameisaPrePosthospitalizationexpensesreimbursementclaim.As
themainclaim(211683)standsrepudiated,weregrettoinformyouthatthepreandpostclaimalsostandsrepudiatedasperpolicytermsand
conditions.
Wetrustwehaveaddressedyourgrievanceinafairandequitablemannerindueaccordancewithregulatoryguidelinesinacustomerfriendlymanner.
However,incaseyouarenotsatisfiedwithourdecision,youmayapproachthenearestInsuranceOmbudsmanforresolutionofyourgrievance.The
contactdetailsofOmbudsmanofficesareavailableinthePolicyWordingdocument.
Foranyfurtherassistance,pleasefeelfreetowritebacktousorreachusonourHelplinenumber:18001020333.
Thanks&Regards,
VivekManchanda
SeniorExecutive(GrievanceRedressalCell)
ApolloMunichHealthInsuranceCompanyLimited
iLABSCentre,2nd&3rdFloor,PlotNo404405,UdyogVihar,PhaseIII,
Gurgaon122016,HARYANA
andforyourinformationaboveclaimsettlementdonebyICICILOMBARD
Ishareyoudetails
CLAIMNOALNOEmployee/MemberIdEMPLOYEENAMEMEMBERNAMEUHIDDOACLAIM
220200892636161SatyapalYadavGuddiDeviILGIC/EQW/00/000000294/W04JUL2014
HospitalNameSANJEEVANISURGICALGENERALHOSPITAL
REQUESTEDAMOUNT28728
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NETSANCTIONEDAMOUNT22566
Rs.4000/DeductedproportionatelyasperRoomrent
COPAYMENT0
DISALLOWEDAMOUNT6162
Rs.4000/DeductedproportionatelyasperRoomrent
capping/Rs.62/DeductedproportionatelyasperRoomrent
capping/Rs.150/deductedasRegistrationchargesnot
payable./Rs.1800/DeductedproportionatelyasperRoomrent
capping/Rs.150/Deductedasexaminationgloveschargesnot
payable.
Iapplyfor6162amounttheapolloteamreplymeaboveregion
MyquestionIfIcicipaythisclaimwhynotpaymeApollothisclaimbalanceamountgivemeregionandnexttimeifyousuggestanyApolloanyplan
rememberthiscaseandApolloclaimratioforyourinformationapolloclaimratiois40%below
AndIciciLombardClaimRatiois78%soFriendyoudecidewhoisbestcompanyforyouhealthinsuranceIsuggestyouifyoubuyApolloMunich
youdefiantlyfacemanyproblemthetimeofclaim.
youcancallmemoreinformation9867446071
andmyapollopolicynumberis1000417293
Andalreadyapollopolicyholderirequesttoyoupleaseportyourpolicybeforeyourrenewal45daysanyhealthcompanyyouchooselikeIcici
lombardfutureganrali(futureganraliisabesthealthinsurancelowpremium)
andsharethisissuemoreandmorepeople
ReplyLink

JitendraP.S.SolankiJanuary28,2013,7:34PM
DearMr.Parveen,
Starhealthinsurancehassublimitswithinthepolicy.Soexpensesonroomrent,doctor&nursingfees,pre&posthospitalizationexpensesandcertain
surgeries.Anyclaimwillbefirstanalyzedwithintheselimitsandthentheeligibleamountwillbepaidbythecompany.
ThisisnotthecasewithApolloMunichasitdonothavesublimits.However,itdoeshaveverystrongunderwritingwrtanypreexistingillnesses.
Anaylzethesesublimitsandseeifitmatchesyourequirementandthentakeadecision.
ReplyLink

JitendraP.S.SolankiJanuary29,2013,9:33AM
HiParveen,
Youshouldcreateyourownchecklistonvariousparametersandgothroughthepolicywordingsofboththecompanies.Youwillcometoknowthe
exactlimitationsinboth.Whicheverproductbestmatchesyourrequirement,youshouldavailit.
ReplyLink
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