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Thread: Health Insurance Policy with "No loading" and "No capping"?

  1. #1
    PolicyWala Newbie
    Join Date
    May 2009
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    India
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    Question Health Insurance Policy with "No loading" and "No capping"?

    Hi All,

    I am looking to buy a health insurance plan for myself for Sum Insured of 500,000 in floater and 300,000 in individual policy.
    My age is 40 years and my wife age is 38 years. No medical issues till date.

    I am looking for a policy which should have -
    1. No loading for claim
    2. No capping on room and other services like specialist changes
    3. Lifelong renewal facility

    4. No individual sub-limits

    Many thanks in advance!
    Navdeep



  2. #2
    Moderator CONFUSED's Avatar
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    Apr 2009
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    Mumbai
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    Default

    You can check L&T - my:health Medisure Prime Insurance.

    This plan is covering your 2,3 and 4 point -
    2. No capping on room and other services like specialist changes
    3. Lifelong renewal facility
    4. No individual sub-limits

    I don't think there is any plan where there is "No loading for claim".
    Rules/Guidelines at PolicyWala | Help Old People |
    I am speaking from experience and my own personal views above - I am not an advisor, nor an expert.

  3. #3
    Banned
    Join Date
    Feb 2014
    Location
    delhi
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    Default

    You should compare all the health insurance policies online and pick the one that fulfills all your requirements according to your terms and conditions and also be saved from fake commitments.

  4. #4
    NewBie
    Join Date
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    Trichirapalli
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    Default

    Quote Originally Posted by Navdeep View Post
    Hi All,

    I am looking to buy a health insurance plan for myself for Sum Insured of 500,000 in floater and 300,000 in individual policy.
    My age is 40 years and my wife age is 38 years. No medical issues till date.

    I am looking for a policy which should have -
    1. No loading for claim
    2. No capping on room and other services like specialist changes
    3. Lifelong renewal facility
    4. No individual sub-limits

    Many thanks in advance!
    Navdeep
    Hi navdeep, There is a plan in STAR HEALTH with no loading & capping, life long renewal & no sub-limits.

    The plan name is Star comprehensive.

    For 2 adults in 40 years(Head of the family) will cost Rs.12120 + s.tax (per year) for 5 lacs in floater.

    For 3 lacs in individual Rs. 4101 (incl s.tax) per year.

    Thanks
    Dinakaran
    Trichy
    Tamilnadu


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