Hi madam I want to buy a new health insurance plan how can I buy and what are the document I submit I speak Tamil language only
On Tue, Feb 24, 2026, 11:07 AM Megha <[email protected]> wrote: > 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. > > Regards > Megha Rakhecha > > On Feb 22, 2026, at 7:08 AM, BHAWANI SHANKAR VERMA <[email protected]> > wrote: > > > > 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 > > > On Feb 11, 2026, at 11:14 AM, nitinbhai patel <[email protected]> > <[email protected]> wrote: > > > further information or assistance regarding Niva Bupa health insurance, > please feel free to contact me directly via WhatsApp at 9725661243. > > Best regards, > > Nitinbhai Patel > > > > On Wed, 11 Feb, 2026, 10:45 am Viki Mam, <[email protected]> wrote: > >> 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 >> >> On Wed, Feb 11, 2026, 9:53 AM Amar Jain <[email protected]> wrote: >> >>> 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 >>> >>> On 10 Feb 2026, at 10:19 PM, Sameer <[email protected]> wrote: >>> >>> >>> >>> >>> 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 >>> >>> >>> >>> On Tue, 10 Feb, 2026, 8:57 pm jyoti malik, <[email protected]> >>> wrote: >>> >>>> 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 >>>> >>>> >>>> Thank you Jyoti malik Programme manager Radio udaan Website >>>> www.radioudaan.com Email [email protected] [email protected] >>>> >>>> >>>> On Tue, 10 Feb 2026 at 8:26 PM, Megha <[email protected]> wrote: >>>> >>>>> 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 >>>>> >>>>> On Feb 10, 2026, at 6:45 PM, nitinbhai patel <[email protected]> >>>>> wrote: >>>>> >>>>> >>>>> >>>>> >>>>> >>>>> 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 >>>>> >>>>> >>>>> >>>>> On Tue, 10 Feb, 2026, 6:39 pm Vatsala R.J, <[email protected]> >>>>> wrote: >>>>> >>>>>> 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 >>>>>> >>>>>> On Tue, Feb 10, 2026, 4:29 PM sagar Verma <[email protected]> >>>>>> wrote: >>>>>> >>>>>>> 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. >>>>>>> >>>>>>> Sent from my iPhone >>>>>>> >>>>>>> >>>>>>> On Tue, 10 Feb 2026 at 16:26, Manoj Govindraj <[email protected]> >>>>>>> wrote: >>>>>>> >>>>>>>> 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 >>>>>>>> >>>>>>>> -- >>>>>>>> Disclaimer: >>>>>>>> 1. Contents of the mails, factual, or otherwise, reflect the >>>>>>>> thinking of the person sending the mail and AI in no way relates >>>>>>>> itself to >>>>>>>> its veracity; >>>>>>>> >>>>>>>> 2. 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AI cannot be held liable for any commission/omission based on the mails > sent through this mailing list.. > > > Search for old postings at: > http://www.mail-archive.com/[email protected]/ > --- > You received this message because you are subscribed to the Google Groups > "AccessIndia" group. > To unsubscribe from this group and stop receiving emails from it, send an > email to [email protected]. > To view this discussion visit > https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/1B612331-ED3B-403D-8E93-308B1B015C33%40gmail.com > <https://groups.google.com/a/accessindia.org.in/d/msgid/accessindia/1B612331-ED3B-403D-8E93-308B1B015C33%40gmail.com?utm_medium=email&utm_source=footer> > . > -- Disclaimer: 1. Contents of the mails, factual, or otherwise, reflect the thinking of the person sending the mail and AI in no way relates itself to its veracity; 2. AI cannot be held liable for any commission/omission based on the mails sent through this mailing list.. 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