Best health insurance without any deductions
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Can you please suggest best health insurance that will pay full hospital expense without deduction such as copay or consumables.
Please suggest best based on your experience on settlement of cashless claim etc.
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If u just want the best in everything, usually the more expensive it is, the better it is. Although it is not always true.
But in general, especially for big players, if they charge higher premium, service is also better. Like HDFC ergo. This is not my personal review. It is based on my understanding from experience of other dimers from various past threads.
You can look for following:
hdfc ergo
niva (previously it was best, now complaints have risen a lot)
tata aig
bajaj allianz
Does these cover consumables? My purpose is when hospitalised no payment should incur from me. Insurance should fully cover
Sadly that won't ever work, disposable items like gloves and bandages are not covered by insurance so, unfortunately, you have to bear them out of your packet
Recently my friend was hospitalised for pneumonia for 10days and bill was around 6 lakhs. His company insurance was new India and they deducted 1.5 lakh for consumables and copay.
Which insurance company would provide full cover without any deduction?
Add on are there for consumables cover. I think it is available in may insurances like HDFC ergo , Max bupa , Care
How's tata aig premier? It says consumables covered. Anyone have experience claiming it.
If u need hdfc ergo optima secure or restore
Contact me
What's the premium at 33age
![Fresh Fortune Chana dal 1kg and other items [location speciifc]](https://cdn3.desidime.com/topics/photos/1884462/medium/Screenshot2024-11-26at5.27.13PM.png?1732622473)
Care is not good as for pre and post you have to fill tedious forms even for online claiming.
No option to talk to customer care verbally except for renewal.