Hi Bhawani
While I haven’t had a personal claim under my own HDFC policy yet, we have handled claim settlements for clients with both Care health and HDFC ERGO.
Based on our experience, HDFC ERGO’s process has generally been smoother — faster pre-authorizations, clearer communication, and fewer back-and-forth documentation queries. Care Supreme is feature-rich and competitive, but in practical claim handling, we’ve found HDFC ERGO to be comparatively more seamless and responsive.
Disclaimer: this is our personal opinion based on our experiences.
Have you filed any health insurance claims? If yes, how do the
two companies compare in handling them? If not, in what ways is
your second insurance company better than the first? For context,
I am a policyholder of Care Supreme.
On 2/21/2026 3:40 PM, Megha wrote:
Dear all,
We wanted to share this with the
community in case it helps someone who is looking for health
insurance.
Both my husband and I are visually
impaired, and we are also working in the financial sector,
where we actively deal with insurance. So we understand both
sides — the customer challenges as well as how the industry
works.
We recently ported our policy from
Care Health Insurance to the HDFC ERGO Insurance Optima Secure
plan. This is a mainstream health policy, and we were able to
get it without any extra loading or disadvantages due to
visual impairment.
According
to our experience, this is one of the best plans available in
the industry right now and HDFC ergo is also a really good
health insurance brand with a smooth claim settlement process.
If anyone is looking to purchase a
new health policy or port an existing one, we can personally
assist and help you through the process and try to get you
similar coverage.
Warm regards,
Megha Rakhecha
9711154808
further information or assistance regarding
Niva Bupa health insurance, please feel free to contact me
directly via WhatsApp at 9725661243.
Best regards,
Nitinbhai Patel
Hi sir I want to bhai hai Nibha booba
Health Insurance where can I buy how can I approach
and what are the document eye submit before I tried to
buy a Nibha pooba
health insurance plan they said you are
not eligible to by Health Insurance reason you are
100% visually impai and by birth disability
No health insurance provider can deny you any
health insurance policy basis, visual impairment.
You need to apply on their portal and in case your
proposal is initially rejected, then you need to
write to their management.
It is always advisable to disclose your
disability upfront, which may be included as part
of pre-existing diseases or in some cases excluded
conditions for which ensure will not give any
claim. Apart from this, there is nothing
additional that you need to do.
If you are facing any problem in insurance
sector, please do write to me off the list. I’ll
be more than happy to help you.
Regards,
Amar Jain.
Sent from my iPhone
Dear Friends,
I have a health insurance policy from CARE
Health Insurance. The policy specifically
mentions that I am a Person With Disability
& my disability is 100% blindness. The
company issued me the policy on condition
that no eye-related ailments or injuries
would be covered except when they were
caused by an accident. The waiting period
for pre-existing diseases was 1 year.
Regards
Sameer Latey
On 10-02-2026 09:02 pm, nitinbhai patel
wrote:
Hi everyone,
I wanted to clarify a few points regarding
Niva Bupa based on my experience.
According to my agent, the only standard
exclusion is dental-related issues, unless
they are caused by an accidental injury.
Most companies follow this same policy for
dental care. I am not aware of any
specific exclusions for eye-related
issues, but I will confirm this tomorrow.
Otherwise, Jyoti is correct—the policy
covers everything from the start. They
also provide one free full-body checkup
every year. In my case, I disclosed my
diabetes, and it was covered after the
initial 30-day waiting period. I have
already utilized the free health checkup,
which is valued at approximately ₹3,000.
Additionally, I received a 30% discount by
paying a three-year premium upfront.
Best regards,
Nitinbhai Patel
Yes, Niva Bupa Max
health insurance is giving insurance
to visually impaired people. Only the
restriction is that they don’t ensure
I related problems. Other than that,
they cover everything. And one can get
claim, also if the case is genuine
Hi everyone,
I wanted to share my
thoughts as I’m also visually
impaired and understand
firsthand how difficult it is
to get health insurance. In
many cases, insurers are
hesitant or outright unwilling
to offer policies to visually
impaired people, which makes
the process frustrating and
exhausting.
Recently, I’ve started
working with a few insurers to
help members of our community
get health insurance and
better understand what options
are realistically available.
I’m trying to bridge this gap
as someone who has faced the
same challenges.
If anyone needs help or
guidance around health
insurance, feel free to reach
out to me. Happy to help in
any way I can.
Regards,
Megha Rakhecha
mobile: 9711154808
I currently have Niva Bupa
health insurance. My
policy explicitly mentions
that I am visually
impaired, and I have
provided my disability
certificate as
documentation. Because
this is disclosed,
blindness should not be a
basis for claim rejection.
In my experience, I
believe it is a good brand
to consider.
Best regards,
Nitinbhai Patel
This is
even my concern also
please let me know
about health insurance
for people with visual
impairment not with
policybazaar or other
third party but any
private good insurance
company who has good
claim results
My curiosity
is, are you able
to claim it? Given
no Indian
citizenship?
Because OCI
obviously has
restrictions so I
wouldn’t even
think about
insurance in
India.
Hello
friends,
I am looking
for the best
option for a
private health
insurance in
India for
visually
impaired
persons. This
is for myself
residing in
Mumbai. Please
do advise as
to apply for
the same.
Thanks and
warm regards,
Manoj
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