Which Health insurance for father with Diabetes mother with no disease will be best ?

[Giant]

Thanks a lot for your suggestions will check and compare both and will buy the best.

Aditya Birla Activ One
With Riders-
Claim Protect
Super Credit
Reduction in Pre Existing Disease (1 Year)
Mention all your medical conditions (Select other diseases also to cover migraine) and your premium will be around 41K Annually.
According to me, this is the best Plan available for you,
Another Plan would be Care Supreme Direct (with the same 3 Riders) if you wish you can check that also.

Thank You,

 

[Macklon]

Ok, this seems slightly complicated so let me try to break this down

• Only type 2 diabetes is covered by Insurance Companies. Type 1 is rarely covered.
• Insurance Companies bifurcate Type 2 diabetes on various parameters - When did this happen (Before or After 30)? Any Comorbidity? etc
• Both Drinking and Smoking are considered as Self Infliction so the coverage will depend on the amount and frequency of intake. If it's too high - rarely will any insurance company agree to offer coverage. Even if they do, the premium will be super steep
• You should consider getting separate Health insurance for your Father and Mother. Family Plan in this case does not make sense.
• If you're not happy with HDFC Ergo (even though it was clearly Agent's fault), you can try for Care Advantage/ Care Freedom.
• Next time, when you take an Insurance - make sure everything is declared from Day 1 including the amount & frequency of alcohol consumed

I Agree. I Have Care Insurance and my experience with Care was very good. Claim was hassle free.