Medical Insurance in India ,Which to choose.

[Ram Munshi]

I am planning to take Medical insurance ,Please help to choose the best one. Here we have public sector companies as well
as private sector companies ,so unable to decide buy which one.
There are so many things there that I am feeling bit confused which one to buy ,I am looking for insurance company with hassles
free claims ,TPA(request to somebody throw some more light on it),cashless features also it should have good network of hospitals
across the india .
From public sector i know there is one policy that is called Mediclam which is given by National /United insurance ,Bajaj Allianz
just introduced six in one plan which covers pre/post hospitalization ,critical illness cover +others .Has anybody taken this
policy if so please let me know complete details about it.

There is some more analysis I have done ,but request to ranchers give their valuable comments which would help to buy the best policy .


Ram

[Ram Munshi]

No Replies ,It seems techies don't give importence to health insurance in india . By the time you reach around 30 it becomes very importent to take a term life cover as well as health cover so that in case of any adversity it can protect you and your family,If your company is not providing health cover,still in long term it better to take personal cover .
I would request to people to go take cover for their family .(By the way I am not an insurance agent or working in insurance domain )

Ram

[Arjunkumar Shastry]

Do exercises regularly and eat moderately and forget all this.

[Pradeep bhatt]

I do jogging every day.

[Anjali S Sharma]

Originally posted by Pradip Bhat:
I do jogging every day.

Practice yoga as well.

[Ram Munshi]

I am expecting some serious analysis /comments to choose the good one between diffrent plans available . Though exercise
and eating moderately is ok ,but still life is unpredictable and we should have some cover to deal with all this thing ,earlier
the better ,no issues with the people who differs from me.

Ram

[Pradeep bhatt]

Hello Munshi,

Bajaj allianz policy looks good.

[Ram Munshi]

Hi Bhat:

Thanks for the reply but I am expecting some concrete analysis of all the option available by private /public players.
Because many things insurance companies does not give in fine print ,so if somebody can also throw light on that ,I would be thankful for that.

Ram

ps: By the way How is morning jog going on ? this is somewhat I was always wanted to do but too lazy to do that . Not my cup of Tea....

[Pradeep bhatt]

Hello Munshi,

You could post your insurance query here http://www.outlookmoney.com/scripts/IIH032C1.asp?check=ExA&secid=11. I purchase this magazine regularly so I can inform you if your query gets answered.

Jogging is quite useful. I have reduced 10 kgs. It is very cold in the morning.

[Pradeep bhatt]

http://www.rediff.com/money/2006/jan/11tax.htm

[Kj Reddy]

Originally posted by Pradip Bhat:
Hello Munshi,

Bajaj allianz policy looks good.

Munshi,
Even I go with Pradip. My company provided me Bajaj allianz medical insurance. Their response is pretty good and provided some extra benefits compare to other medical insurance schemes.