Which one is the Best Health Insurance for Renewal

[durgarao_b]

I am 38 years old, my wife is 33, and we have a 9-year-old daughter. My annual income is ₹5 lakhs. For the past 4 years, I have been using the Niva Bupa Health Companion policy with a ₹3 lakh sum insured. Since the beginning, I have not made any claims under this policy, and I currently have a ₹2.4 lakh No Claim Bonus (NCB).

This year, the renewal premium for this policy is approximately ₹13,500. However, for the same amount, I can opt for the Care Supreme policy, which offers ₹7 lakh coverage along with additional benefits.

Please advise if I should port my policy to Care Supreme or continue with the existing one. Alternatively, suggest a budget-friendly policy with better benefits. I do not require maternity or luxury benefits.

 

[Chiranjib Guha]

Care supreme is best and it is giving porting facility also. Means pre existing disease will cover from day 1.
You can contact me if you want. I am IRDA certified insurance Advisor and mutual fund advisor.