Best Mediclaim policy between Star health insurance and National health insurance


Piyush Jhawar
Q:
I want to take an Mediclaim Policy for my family but i am confusing between Star health insurance and National Health insurance… Can you please suggest reliable company among these…. I would be helpful if u can provide any other best plan also .Below are my details :-
Father age – 58 yrs
Mother age – 52 yrs
Myself age – 25 yrs
I also need tax benefit.

Ans:
All general (non-life) insurance companies offering health plans are reliable. Almost all the health plans offer tax benefits under section 80D. So you don’t need to worry about these 2 aspects. Now comes the question whether you are getting a plan with maximum features for the price you are paying. Also how many policies should you buy?
1) Buy one separate policy for yourself of say 3 lacs. This should not cost you more than 5,000 yearly.
Try looking at 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 because of the high age of your parents. Both the options are good – Star Health and National Insurance.

2 Replies to “Best Mediclaim policy between Star health insurance and National health insurance”

  1. I have taken individual policy on June 4, 2016 for my mother and paid INR 5169.00/- but till no policy received. I have called customer care several times they informed to send a mail, they have provided reference no but till now they not responded and no policy received. This is a no 1 fraud company.

    Dear Sir,

    We acknowledge the receipt of your mail.

    Kindly note the service request number for your reference:CR2000220968 . We will intimate the progress at the earliest.

    Thank you, assuring best services all the time.

    Regards,
    Junaid
    Customer Support
    Star Health & Allied Insurance

    Dear Rajkamal A,
    Your query has been registered with us and call reference number is CR2000220968 which you may quote for future reference.

    Regards,
    Customer Care Department

  2. I claimed for Rs 56000/- 15 days back still not received any amount , when i called customer service they said we are in the procees to reimbursement of only Rs 23000/-.
    plz dont buy star healt policy. look other options.
    star healy just finding ways to cut down reimbursement amount.

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