I am looking for a cover up to 7lacs. My father is diabetic and my mother has arthritis.. does this fall under the critical illness factor?

NO, Both these problems are PED(Pre-existing disease). These will come under 4 years exclusion in any company.

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Medi Classic - Star Health - Individual Health Insurance policy that aims to provide reimbursement of hospitalisation expenses incurred as a result of illness/disease/sickness and/or accidental injuries.

Diabetes - Star Health and Allied Insurance presents a policy that helps those affected by Diabetes Mellitus Type II and offers insurance protection for treating most commonly occurring complications.

Family Health Optima - A Super Saver Policy - Single Sum Insured, Coverage for entire family, Single Premium, Considerable saving in premium as the family is covered under one policy.

Senior Citizen Red Carpet - STAR Health is proud to introduce India's first health insurance policy aimed specifically at senior citizens.It provides cover for anyone over the age of 60 and permits entry right up to the age of 69 with continuing cover after that. No pre-insurance medical test required .

Star health Super Surplus - Wide coverage option of Rs. 7 lakh and Rs. 10 lakh2

Star Gain Insurance - Flat amount of Rs 14,725 only irrespective of the sum insured or age of the persons or number of persons covered.

Star Criticare Plus - This policy offers cover to the Insured Person under two sections. Both regular hospitalization benefits and Major Diseases benefits are available under one policy. [100% Lump Sum Payment for Critical illness in additional to Hospitalization exp, First Diagnosis of Cancer, Chronic Kidney Disease, Hepatoma, Brain Tumour, Undergoing first time - Major Organ Transplant, Occurrence for the first time of the Cerebro-Vascular Stroke causing Hemiplegia, Acute Myocardial Infarction resulting in Left Ventricular Ejection Fraction of < 25%, irreversible Coma, irreversible Paraplegia, irreversible Quadriplegia]

go to www.smstarhealth.com

Do you have any experience with Max Bupa?

Hi Varun,

One of my friends has recently taken a family floater policy from Max Bupa for a cover of up to 7.5 lac. He seems quite please with his experience so far.. in his case though there is no medical history. In case of your father since he is above the age of 60, he won't get a cover for the 1st two years. They don't seem to have an exclusion for people below the age of 60. So it shouldn't be an issue to get cover for your mother. I would however suggest that you call up their call center and speak with them.

Their official website is
www.maxbupa.com