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Hi all,
Last year, Ditto Insurance suggested I move my parents (64M, 62F) from Manipal Sigma (/₹57K) to Care Supreme (/₹66K). I agreed mainly because they promised strong claim support if issues arise.
Now I’m second guessing after reading mixed reviews.
Current Policy (Care Supreme):
- ₹15L floater
- No room rent / ICU limit
Key Features:
- Hospitalization + daycare cover
- Pre (60 days) + Post (180 days) hospitalization
- AYUSH + domiciliary (home treatment)
- Organ donor + ambulance cover
- Unlimited recharge of sum insured
- Advanced treatments (robotic, immunotherapy etc.)
- Annual health check-up + e-consult
Add-ons I’ve taken (main premium jump):
- Claim Shield (covers consumables)
- Plus Benefit (extra buffer after SI)
- Wellness / health programs
Waiting periods:
- PED: up to 36 months
- Named ailments: 24 months
Concern:
Paying ~₹9K extra vs Manipal, but reviews of Care are mixed. Ditto says they’ll handle claim escalations.
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Questions:
Is Care + Ditto support better than a “cleaner” insurer?
Are features like unlimited recharge + claim shield actually useful in real claims?
Anyone with actual claim experience (especially large claims) with Care?
Continue or reconsider switching?
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TL;DR:
Switched parents’ policy from Manipal Sigma to Care Supreme (₹57K → ₹66K) based on Ditto’s claim support promise. Features look strong, but reviews are mixed. Continue or rethink?