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Baroda Health

If you are healthy and consider you will rarely use it and yet want a cheaper health insurance, go for a group mediclaim policy offered by banks.

My preferance will be for the "Baroda Health" (Mediclaim Insurance Policy) offered Bank’s Account holders.

You will have to open a savings account and then go for the policy. U can make the premium payment by chq.

http://www.bankofbaroda.com/pfs/barodahealth.asp

Premium: http://www.bankofbaroda.com/download/BarodaHealthNewPremium01062016.pdf

The good thing with Baroda Health is that they cover for medicines and consumables like cotton, bandages etc. that even full-fledged insurance policies do not cover.

So the Baroda Health policy can work as an add-on to your existing health insurance policy. Also useful for those who are already covered by the employer and who fear of lack of insurance when resigning from the employment.

Health insurance for the family

I already having a star health policy, premium 6100, coverage 3 lak, members age is 29, 24,1...Is it worth? Should I continue in this policy?

I think worth it since u have taken at a young age. The no-claims and your good history will add up.

Certain typical operations like tonsillitis for kids will not be covered till 3 years for most insurance policies.

So for young adults, it is imp to take a full-fledged normal health insurance policy

For aged adults, it depends on our affordability to take a full fledged policy. If tight in budget, atleast take the group insurance policy. Some coverage is better than no coverage. My view.

Health insurance policy for grand parents

Any medical insurance companies are there to provide insurance to my grandparents

Star Health provides good ones specially for the aged.