Need suggestion on choosing a health insurance policy (already have corporate cover)
Hi everyone,
I currently have a ₹5L corporate health insurance from my employer, but I want to buy an additional personal retail health insurance plan for long-term safety.
What I’m mainly looking for:
• ₹5-10L base sum insured
• Unlimited / very high no claim bonus accumulation
• Good restoration benefits
• Gym / wellness benefits
• Good annual health checkup
• Overall maximum long-term value
I’ve shortlisted these two plans:
Care Health Ultimate Care
Star Health Super Star secure
Now the premium difference between both is almost negligible for me.
In Care, the add-ons/features I want are mainly available only on a 2-year policy.
In Star, I’m getting features like “Freeze Your Age”, gym benefits, health checkups, etc. even on a 1-year policy.
I’m young and healthy currently, so I’m looking at this more from a long-term perspective rather than immediate claims.
Which one would you suggest?
Would really appreciate opinions from people who have actually used/claimed from these insurers.
Also open to other better suggestions in a similar range.