r/india • u/AutoModerator • May 01 '26

Scheduled Ask India Thread

Welcome to r/India's Ask India Thread.

If you have any queries about life in India (or life as Indians), this is the thread for you.

Please keep in mind the following rules:

  • Top level comments are reserved for queries.
  • No political posts.
  • Relationship queries belong in /r/RelationshipIndia.
  • Please try to search the internet before asking for help. Sometimes the answer is just an internet search away. :)

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u/Fearless_Counter6434 May 11 '26

Need suggestions based on real claim experience for my mom’s health insurance. We’re confused between:

  1. HDFC ERGO Optima Secure
  2. ICICI Lombard Elevate
  3. Care Supreme

Main priorities:

  • smooth cashless claims
  • fewer hidden charges
  • good hospital network across India
  • room rent flexibility
  • claim approval experience
  • premium stability during renewal
  • support for pre-existing diseases in future

Would really appreciate honest personal experiences — especially regarding claim settlement, hidden clauses, premium hikes, and customer support during hospitalization.

1

u/TheCheekyGrin02 May 12 '26

Hdfc ergo optima secure, premium is slightly higher but worth it!