Hi folks! I am trying to buy medical insurance for my mother. She is 54. I need something that should include almost everything from doctor visits to lab tests. Are there any such insurances that cover these or are they just restricted to hospitalization costs?

Try https://www.beshak.org/ They provide insurance advisory. It's free to consult so you can weigh in your options

Most traditional insurance providers don’t offer OPD or even if they offer OPD (with additional cost) is a lot of hassle to claim the benefits. If you are open to go the non-traditional route and are living in metros like Bangalore you can check Even and Kenko health care plans. Friend used even and is happy with their OPD experience (in select hospitals) and they do cover IPD (pan-India). I would recommend this without doubt if it is your second insurance (ex: your mom is covered by your work insurance). But for primary you need to think it through.

Here are a few new services that make your hospital's bills zero but they aren't regulated by IRDA (not sure about them in the long term) I would suggest that you take a combination of both traditional insurance and these new ones https://joinditto.in/ and https://www.beshak.org/ are good places to get traditional insurance. New services: https://even.in/?ref=32ROG https://www.clinikk.com/ https://kenkohealth.in/ https://mynanocard.com/ My review of even 🙂 https://twitter.com/Tummala_Dhanvi/status/1478413553388326914

@rough-application-24965: A friend of mine saw your tweet thread and bought even - 3 month plan early this year. Have you had any recent hospital visits where even helped? Any change in experience? Still sticking to it or considering Kenko?

@loud-artist-61521 touch wood I didn't have to go to a hospital again but my friend used it and he shared a similar good experience 🙂

I’ve been picking for my parents too. Niva Bupa seems good. Some fundamentals are to make sure : • No Copay • No limit on room rent • restoration benefits • Increasing cover based on claim-less year • Safeguard benefits Following are the Differentiators/ Benefits they provide : IN-PATIENT CARE (HOSPITALIZATION) We cover cost of medical treatment when you or your insured family members are hospitalized for treatment. DAY CARE TREATMENTS COVERED We cover day care treatments under the product. HOSPITAL ACCOMMODATION Single private room & ICU charges covered up to sum insured in Platinum category. PRE AND POST HOSPITALIZATION MEDICAL EXPENSES We cover Pre-Post Hospitalization expenses, Pre hospitalization cover for 60 days and post hospitalization cover for next 180 days. DOMICILIARY HOSPITALIZATION In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; we pay for medical treatment taken at home, which would otherwise have required hospitalization. HOME CARE TREATMENT Stay Assured that we indemnify the Medical Expenses incurred on the Insured Person’s treatment taken at home for Chemotherapy or Dialysis. ALTERNATIVE TREATMENTS We will indemnify the medical expenses incurred on the insured person’s hospitalization for Inpatient Care on treatment taken under Ayurveda, Unani, Siddha and Homeopathy. ORGAN TRANSPLANT Medical expenses for an organ donor’s In-patient treatment for the harvesting of the organ donated is also covered provided the organ is for the use of the insured person. MODERN TREATMENT here are always advancements being made in the medical world. ReAssure gives you the freedom to choose these by covering a range of modern treatments like deep brain stimulation, oral chemotherapy to robotic surgeries and stereotactic radio surgeries, stem cell therapy and more. So, stay secure and Assured that you can choose the latest treatments available with ReAssure Plan. EMERGENCY AMBULANCE Be it road or air ambulance, we ReAssure you that all these costs are covered. HEALTH CHECK-UP Stay Assured with Health Check-ups from day 1 , to keep you up to speed with your health. (5,000/- per member) RE ASSURE Unlimited reinstatement of sum insured for any illness or any person in the same year, triggered from the 1st claim itself so that you can claim as many times as needed. No Claim Bonus Securing the future for not just your health, but also your finances, we help you stay even further Assured with this Booster Benefit. This means, if no claim has been made in the immediately preceding Policy Year, we will increase the Sum Insured by 10% of the Base Sum Insured of the preceding Policy Year subject to a maximum of 100% of the Base Sum Insured. There will be no change in the sub-limits applicable to various benefits due to increase in Sum Insured under this benefit. TENURE DISCOUNT Each year that you let us take care of you, we reward the loyalty by making it that much more beneficial for you. Which means, that if you pay for a 2-year policy term, you get a discount of 7.5% on the premium of second policy year, and if you choose a 3-year policy term, you get an additional discount of 15% on the third year’s premium. TAX BENEFIT Save tax under Section 80D of the Income Tax Act when you buy a Max Bupa health insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details. ASSURED POLICY RENEWAL FOR LIFE Once insured with us, you will always remain our customers subject to continued payment of premium. We assure you renewability for life with no extra loadings based on your claim history. DIRECT CLAIM SETTLEMENT We believe you should focus on the treatment of your loved ones rather than running after claim settlement. Therefore, all claims are processed directly by our customer service team. from the corporate office Direct Assistance CASHLESS FACILITY Cashless Facility can be availed only at our Network Providers or Service Providers. Please contact us for more details. INFORMATION AT YOUR FINGER TIPS Get quick and easy access to your claims history, your health information, your health profile, including records of tests and other details on our website. Hope this helps

Looks like Even stopped onboarding new users

Wow. Surprising. What did reason did they give?

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Even is canceling all the existing plans as of today and giving an option to join a group healthinsurance

This means instead of getting access to NH or Aster or Manipal doctors you get free consultations with only those doctors even hires or partners with. This means less choice of doctors? Will existing partnership with hospitals in Bangalore continue? How is this different from Plum or other group benefits in their OPD experience?

My understanding is that you can have a second opinion anywhere once you speak with the Even doctor. Plus they are also covering up to 10L worth of OPD I will have to wait and see how their new OPD experience will be!