Hey #tribe I need help regarding medical insurance for my parents, my sister (elder) and myself. How can I decide how much cover should I go for? What should be the setup? I have heard it’s better to have different policy for parents and yourself (which kinda makes sense) but not 100% sure why. PS - Right now my parents, my sister and myself were in one medical insurance policy with cover less than 3 lakh for each person.

Hey @dazzling-autumn-14365 check out oneassure.in which should be able to help out. It is run by @boundless-vase-76971 Also, will be informative if you can circle back and share what you decide to go with. Relevant thread: https://remoteindian.slack.com/archives/C6M8YKK96/p1621409529052100?thread_ts=1621409234.052000&cid=C6M8YKK96

Thanks Saurabhj. I will check out the session and get website. If have any question later will reach out to Ruchir.

For any insurance related matter, please reach out to me. My family has been in this field since decades, and they are currently the top advisors in the country across several insurance companies. Most insurance policies are available online at the same pricing as what is available via agents, so why miss out on the agent servicing :-)

@many-lawyer-26486 can I DM you ? I have been exploring super-topup schemes to cover my family on top of company provided insurance, or a part of my savings working as base. I have explored couple of metrics like solvency ratio, claim:settlement ratio, claim settlement efficiency, claim rejections. And based on these I shortlisted Bajaj Allianz, Magma, New India (I know), HDFC and Edelweiss - In that order. What I am not sure, though, is what terms should I watch out for in their schemes. I know few obvious ones like room rent capping. But what are some lesser known things in the scheme document that I should check ? I recently learnt that if you develop any genetic disorder, most of the health insurance providers will reject your claim. I want to make list of all such things and then take out some time and do indepth comparison of schemes from these providers. If you could guide me in the right direction, that would be extremely helpful.

Sure. Please DM me your WhatsApp number, and I will get in touch.