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Health Insurance Over 30 Years Old

After you turn 30, you should make sure you look for certain features while buying health insurance. Some of them include cashless hospitalisation, extent of coverage, lifetime renewability facility, maternity benefits, etc.
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Turning 30 is one of the important milestones of your life. You might have just got married or might be planning to have a child or might have a family to take care of already. At this significant phase of your life, it is crucial to make sure that you and your family have a health insurance plan to help you manage a cash crunch or pay up for an emergency medical situation. Certain surveys have revealed that the major chunk of our country is not covered by a health insurance plan. This could be because people are not aware of the importance of insurance protection. Hence awareness about medical insurance is being spread so that people understand the need for health insurance. If you have a medical insurance plan, you need not burden yourself or end up in debt when you are diagnosed with a critical illness or meet with an accident. It is also essential that you buy the right health insurance plan.

Here a few questions that you should ask yourself before buying a health insurance plan:

How Much Cover do I Need?

Choosing the sum insured is one of the most important decisions you will have to make when you buy a health insurance plan. The sum insured is the total amount that can be claimed in case of a medical emergency. This amount will cover the entire family for a period of one year, so calculate the sum insured you require based on the number of people who are going to be covered, the ages of the family members, their medical history, and your future plans.

You will have to pay a nominal amount called the premium to the insurer to provide medical protection to you and your family. The premium amount depends on various factors and the main factor being the sum insured. Hence, when you choose your sum insured check if the premium payable is affordable. But do not save on the premium at the cost of the sum insured.

You could consider buying individual plans instead of a family floater. If you opt for an individual health insurance plan, the sum insured is available solely to you. On the other hand, a family floater policy will offer the sum insured to all members covered under the plan. You can decide which type of policy to purchase based on the ages of your family members, number of members that require a health insurance cover, and the total premium charged by the insurer, etc.

Another factor you need to consider while buying a health insurance plan is the future enhancements. Your current requirement could be low but the situations might change. So consider opting for a top-up or a rider that could cost you extra but will prove to be a blessing later.

What are the Features I Should Look Out for?

Each medical insurance plan will have different features depending on whether it offers complete medical protection or is for a specific purpose like personal accident care or cardiac care. You should ideally opt for the plan that best suits your needs and the needs of your family members.

  • Cashless hospitalisation: This benefit is typically available only in the empanelled hospitals of the insurer. The policyholder/family member will have to intimate the insurance company about the planned or emergency admission to such hospitals. The insurance company will then ensure that it pays for all the treatments and surgeries undergone during hospitalisation.
  • Pre and post hospitalisation: A few plans cover the expenses incurred before and after hospitalisation too. The number of days up to which this benefit can be availed differs from plan to plan.
  • Medical check-up: Most plans reimburse the charges incurred on the pre-medical examination that is conducted before the policy is bought. A few plans sometimes provide free medical check-ups throughout the policy period too.
  • Lifetime renewal: The lifetime renewability option will be helpful in the future because critical illnesses and other major health conditions are diagnosed only during old age. So it is a good idea to purchase a policy when you are young, in order to foot bills at a later stage in life.
  • Cumulative bonus: If you don’t make a claim during a policy year, a few insurers offer something called the cumulative bonus. The bonuses accumulated over the years may be added to the sum insured or can reduce the premium payable.
  • Maternity benefits: In most cases, policies specify a certain waiting period before completion of which, maternity benefits cannot be availed. Read the sub-limits of the policy to ensure you do not miss out on such fine details while buying the medical insurance plan.

Which Insurer Should I Choose?

The market today has a gamut of health insurance companies. The availability of such a wide range of options could leave you confused. However, certain factors could help you narrow down on a few insurance companies.

  • Network hospitals: Availing treatments in network hospitals will give you the benefit of the cashless facility. So you could choose the insurer that has in its network a high number of hospitals or hospitals near you and the ones you prefer visiting.
  • Claim process: You should ideally choose the insurer who has good customer support. Communication with the insurance company while making claims is imperative. Choose the insurer that has a quick and a hassle-free claim settlement process.
  • Waiting periods: Certain pre-existing diseases, surgeries, maternity benefits, etc. have waiting periods. Make sure you read the sub-limits and exclusions before buying the health insurance plan.

With rising lifestyle illnesses and medical costs skyrocketing, buying a medical insurance plan is a necessity today. Though it could be hard on the pocket, it will be beneficial in the future. Also, policyholders can avail tax benefits under Section 80D of the Income Tax Act, 1961.

Health Insurance Over 30 Years Old Reviews

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  • review Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken my health insurance with Adiyta birla insurance, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me was nominal, i use to pay through on line.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • Religare Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my health insurance with Religare insurance from long time,their service is good, they have tie up with many hospital , and they have shared me an excel with there location, and the agent had explained me clearly about the policy benefit,overall service is good.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 23, 2019
  • ICICI Lombard Health Insurance
    "Satisfactory"
    0.5 4.0/5 "Great!"
    I took my health insurance with ICICI Lombard. The customer service is good. I got the insurance paper on time. I have no claims. I have taken the policy for myself and wife. The medical coverage is 5L for both. I think have paid hardly 8K for one year.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 23, 2019
  • United India Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My company has given me a health insurance from united India. My entire family has been covered in this policy. I had no claim experience so far and i have not checked about the list of hospitals. I'm happy about the coverage amount they have given to me.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 22, 2019
  • Apollo Munich Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with Apollo Munich, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me up to 13,000, i use to pay through on line.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • United India Health Insurance
    "Best Policy"
    0.5 3.0/5 "Satisfactory"
    I have chosen the United India health insurance policy without any reason. I got this policy for my entire family. I pay the premium amount of Rs. 16000 nearly. I have a claim experience with them and they have processed the claim in 3 days. They have given a claim upto 80%
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • review Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have a health insurance policy with BHARATHI AXA , this policy cover accident claim and there customer support team have explain me about this policy . And the premium i pay per year it nominal, i pay through on line. Till now i have no claim experience with them, i have took the policy like in every five years they will reduces 5 % if i do not claim it, till now there service was good.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 22, 2019
  • United India Health Insurance
    "Good Policy to take"
    0.5 5.0/5 "Blown Away!"
    I have purchased my United India health insurance in the year of 2002. I pay the premium amount of Rs. 12000. This is a primary plan. Me, my wife and my son has been covered in this policy. I have received the covered amount of Rs. 10 lakhs. I have not faced any issue in this policy.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jan 22, 2019
  • HDFC Ergo Health Insurance
    "Average service"
    0.5 3.0/5 "Satisfactory"
    I have been using my health insurance with HDFC ERGO, they have charged me premium amount up to 500 rupees , this health insurance is a complimentary insurance issued my bank as i took this bank credit card, the premium amount it was to get deducted on yearly basis, and it use to get deducted from this bank credit card, and after that it converted in to Emi option, and till now i had no experience with this insurance, there is cash less treatment option available.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • Bajaj Allianz Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I took my Health insurance with Bajaj allianz general insurance, they have tie up with many hospital, and they have shared me location regarding this, so far there was no claim experience with them . There is cashless treatment option available , the premium amount they have charged me previously on monthly basis, it was nominal premium charges, i have been paid for 4-5 years continuously, now maturity period got completed.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • HDFC Ergo Health Insurance
    "Not satisfied with the service"
    0.5 1.0/5 "Really Bad"
    It was not quite a good experience i had with them where i had started this insurance policy in the year of 2009 and i had been paying the premium amount of 50,000 annually. There was not any single claim which i had made so far, until last year i had tried for a claim and the bill was around 40,000 and they had provided me with only 12,000 which was really a bad experience.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • HDFC Ergo Health Insurance
    "Its Good"
    0.5 1.0/5 "Really Bad"
    Before four month my health policy got expired I don't have interest to renew it again. HDFC Ergo representative called me for the renewal. I don't have claim experience but I believe they provide ac room hospitalization for per day Rs. 3000 will be charged from the insured value and they do have no bonus feature.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • Star Health Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my health insurance with Star health insurance, there service is good,i have applied two health loan , one for me and one for my parents, i had claim experience with it , as one year ago,i avail this insurance for my parents, there was cashless option available , and the premium amount they have charged me was nominal, for my parents i use to pay up to 27,000 as yearly basis, and for me 12,000 as yearly basis.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my health insurance with HDFC ERGO , the agent that explain me clearly about the policy, and there benefits,and they have tie up with many hospital and they have shared me excel regarding this, i had claim experience on 2016 , my claim experience with this bank was good, the premium amount they have been charged on yearly basis,they have charged premium nominal.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • Universal Sompo Health Insurance
    "Speedy claim recovery"
    0.5 4.0/5 "Great!"
    Holding my health insurance from Universal sompo. I'm not getting any mails or messages from Universal Sompo regarding the updates. The policy is really good. This is a 100% covered policy. They have processed the claim immediately with the cashless treatment. The hospital list is really good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 20, 2019
  • ICICI Lombard Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with ICICI Lombard general insurance, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me was nominal,i use to pay on yearly basis.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • HDFC Ergo Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I took my medi claim with HDFC ERGO, they have tie up with many hospital,and they have shared me the location regarding this,they have mention the location on excel,and the premium amount they have charged me is nominal,they have charged me on yearly basis.overall service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • Apollo Munich Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    My organization has given me a health insurance from Apollo Munich. I have not gone through about the documents and hospital list. My entire family has been covered in this policy. They have given me a satisfied coverage value. I have not contact the customer care so far.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 20, 2019
  • HDFC Ergo Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have purchased the health insurance from HDFC Ergo. For some enquiry, i have called the customer care service and they have resolved my query immediately. I have not made any claim experience so far. I pay the premium amount of Rs. 37000 and myself has been covered in this policy.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 20, 2019
  • Star Health Health Insurance
    "Less premium with Extra benefits"
    0.5 3.0/5 "Satisfactory"
    Taken my health insurance policy recently from Star. Till now i have not spoke with the customer care. Since my age is above 50, i made the premium amount of Rs. 17000. Myself, my wife and child has been covered in this policy. They have given me a coverage value of Rs. 4 lakhs. Almost major hospital has been covered in this list.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
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