Summary of Reddit Comments for Query "best health insurance in India"

Public Health Insurances Recommendations:

• National insurance/ United India issuance/Oriental Insurance: Known for covering cataract-related issues. One user mentioned, "Parents used oriental for cataract."
• New India Assurance: Widely accepted and covered a parent's knee replacement surgery at minimal cost. One user stated, "Parent has New India. Covered a parent's knee replacement surgery at a top tier hospital for INR 1000."

Private Health Insurances Recommendations:

• HDFC Ergo: Highly recommended due to good claims settlement and stability. A user mentioned, "I got operated upon recently, got my payment without a hitch. My policy is with HDFC."
• Niva Bupa: Considered a good option for individual needs. One user shared, "Niva is not the best but its policy served best for my personal needs."
• Bajaj Allianz: Users mentioned it as a relatively new but promising option. One user stated, "I have Bajaj Allianz. Look good so far."

Insurance Companies to Avoid:

• Star Health and Aditya Birla: Numerous negative comments highlighted issues with claims denials, delays, and unethical practices at these companies. Users advised avoiding these companies due to poor experiences.
• Care: Mixed reviews, some users praised their quick claim approvals, while others mentioned concerns about denials and weird reasons.
• Reliance: Users advised against due to excessive spam marketing.
• New India: Received mixed reviews, but a user highlighted its acceptance and coverages.

General Recommendations and Advice:

• Look at settlement ratios above 95% and incurred claims ratio no less than 60% to gauge quality.
• Consider getting multiple policies tailored to specific family members, such as separate policies for parents and in-laws.
• Opt for minimum coverage of 50 lakhs for health insurance plans.
• Apart from health insurance, consider a separate critical illness and permanent disability insurance policy.
• Be cautious of overly cheap plans and ensure to consult with reputed advisors or use third-party platforms like Ditto for guidance.
• Take into account factors like coverage, hospital networks, room rent limits, waiting periods, and modern treatment coverage when selecting a plan.

These recommendations and cautions can help individuals make informed decisions when choosing health insurance in India. It is essential to review the specifics of each plan and insurance company to align them with personal and family health needs.