Quote Originally Posted by greenhiker View Post
I have a ICICI Health Insurance Plan for 5 Lac & I am paying a premium of Rs. 15000/- p.a for last 4 years. However I have been getting contradictory feedback about this policy. As of now paying premium is not an issue for me & I can afford anotehr policy but my main concern is the health benefits of Health Saver. I am aware that this policy is not a pure health insurance plan but linked with investment involving risks. Lately I have been thinking to buy another Health Insurance plan but again got feedback that this policy was good enough to continue. I know the maximum charges would have been deducted in initial 5 yrs of premium payment & want to know what is option for me..
1. To continue with Health Saver only for long term
2. To continue with Health Saver & buy along with another purely Health policy.
3. To exit Health Saver after mandatory 5 yrs & buy immediatly another suitable purely Health Policy.


PLS ADVISE.
Thanks
SUNNY
First ask yourself, what type of health insurance plan your are looking for -
1- Health Insurance or Mediclaim (Indemnity plan)
2- Unit Linked Health Plans (Investment and Health Insurance)
3- Defined Benefit Health Plans (Critical Illness plans and Daily Hospital Cash Benefit plans)

Then you yourself would be able to answer all the above three queries.