Which Health Insurance to opt for ?

POSTED BY Krishna ON November 5, 2012 12:54 pm COMMENTS (7)

Hi Guys,


Need ur help on this. My comp allows me to opt for top up cover upto 10 lkahs above the company provided 4 lkh cover. Should I continue to opt this or look for personal one as it is always dangerous, incase company withdraws the privelege.

In case if I have to opt for personal which one is better Optima restore or Religare health plan which is better?. Please guide me on this.




7 replies on this article “Which Health Insurance to opt for ?”

  1. Dear Krishna, please check with your tie up insurer, what ‘ll happen to Top up, if tomorrow there is no tie up between your employer & insurer? alternatively ask your employer to make it mandatory to port top up cover also also if in future, the tie up insurer is changed.



  2. Krishna says:


    Thanks for the reply,but if I go for top up insurance what happens if the employer withdraws the benefit?. I believe it is better to opt for Comprehensive plan. I am confused between max bupa ,optima and religare

    1. Ohh yea yea .. valid point . I didnt look at that angle 🙂

      Better take a seperate plan and take the top up on that

  3. Yes , you can take a top up one but I suggest take it seperately, anyways top up insurance premium is lower .

  4. Krishna says:

    Hi Biswa,

    What about the optima restore ?

  5. Biswa Singh says:

    I did the research last week and found MaxBupa is the best.

  6. Biswa Singh says:

    I would prefer MaxBupa Heartbeat (Individual, flotter, family first depends on you) gold. No entry/exit age, all critical illness covered, single room when hospitalized irrespective of the room cost and many. Check the below link.


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