I want to take a Mediclaim Policy for my family, but I am confusing between Star health insurance and National Health Insurance … Can you suggest a reliable company among these …? It would be useful if you can provide another better plan as well. Below are my details:
Father's age – 58 years
Age of the mother – 52 years
My age – 25 years
I also need a tax benefit.
All general insurance (non-life) companies that offer health plans are reliable. Almost all health plans offer tax benefits under section 80D. So you do not need to worry about these 2 aspects. Now comes the question if you are getting a plan with maximum characteristics for the price you are paying. Also, how many policies should I buy?
1) Buy a separate policy for you, for example, 3 lacs. This should not cost you more than 5,000 annually.
Try consulting Religare Care, HDFC ERGO Health Suraksha and Apollo Munich Easy Health Standard.
2) Buy another policy to cover your parents. This policy will be expensive due to the high age of your parents. Both options are good: Star Health and National Insurance.
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