I 33yr old man wanna take a health insurance for my family, with a risk cover of 1lac, but my son 2.5yr old, will need need a treatment worth 80000/- within 3 months, which product will be better for this, especially that which do not ask for base line investigations.
I am writing below my opinions.
- Please don't mention that your child will be undergoing a treatment ~80k in 3 months. The insurance guys are pretty clever and they'll do something that you'll not be able to include your child for that amount.
- My suggestion:
1. Check if you the place you work for has a TTK Tie-up as process is too much hassle free. I myself got all the claims cleared within 2-3 weeks of time.
Reliance insurance has a tie up with some hyd based company, this policy "jeevan family health" is for (1+1) members in which you can avail cashless hospitalisation in their listed hopsitals & upto surgey or operations around 3 lacs rupees, you just have to join them @ 4250 rupees /- year.
you can contact me for any further doubts.