milind
31-01-2010, 05:15 AM
Hello,
I have analysed for health policies (with and without critical illness rider) as well as pure Critical illness policies.
I prefer the Apollo for the health policy but its critical illness rider (for Easy Health Exclusive or Premium) covers only 4/5 illness and not the most probable ones like first heart attack etc. Hence for critical illness i find Bajaj Allianz as a better policy.
My query:
1. In case a critical illness occurs like first heart attack will i be elgible for payment from the Bajaj Policy as lumpsum as well as claim all hospitalization expenses from Apollo
2. Do i need to inform each of the companies about the other policy?
3. Can you suggest any other options instead of going for 2 different policies?
Note: Premium for Apollo policy (without CI rider) + Premium of bajaj for CI is nearly equal to Premium of Apollo policy with CI rider
thanks
milind
I have analysed for health policies (with and without critical illness rider) as well as pure Critical illness policies.
I prefer the Apollo for the health policy but its critical illness rider (for Easy Health Exclusive or Premium) covers only 4/5 illness and not the most probable ones like first heart attack etc. Hence for critical illness i find Bajaj Allianz as a better policy.
My query:
1. In case a critical illness occurs like first heart attack will i be elgible for payment from the Bajaj Policy as lumpsum as well as claim all hospitalization expenses from Apollo
2. Do i need to inform each of the companies about the other policy?
3. Can you suggest any other options instead of going for 2 different policies?
Note: Premium for Apollo policy (without CI rider) + Premium of bajaj for CI is nearly equal to Premium of Apollo policy with CI rider
thanks
milind