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Health insurance in india raised anta...

Chalanachithram.com DB » New TF Industry Related » Archive through June 13, 2019 » Health insurance in india raised anta kadha « Previous Next »
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Nippu
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Posted on Tuesday, June 11, 2019 - 11:10 am:       

base 5 + topup 10 = 15 lkahs before
now base 10 + topup 12 = 22 now .
 

Nippu
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Posted on Tuesday, June 11, 2019 - 11:09 am:       

to my knowledge andhra bank health before base is 5 lakhs plus we can top up upto 10 lakhs by paying extra premium.

now base is 10 lalkhs and top up is 12 lakhs.

and age 65 ayithe more premiums.

these are the recent changes i noticed in their policy.
 

Nippu
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Posted on Tuesday, June 11, 2019 - 11:07 am:       

not only age .

also they increased from 5 lakhs to 10 lakhs for everyone now .so thast is one reason for premium increase.

based on base only you get all the benefits when you go to hospitals.

higher base more benefits.
 

Ramjirao
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Posted on Tuesday, June 11, 2019 - 11:03 am:       


Nanigadu:

but edhavalu renew chesetappudu call chesi cheppali kadha
we are raising it this time ani, cheppakunda chesthey elaa




Typical gaa they wills end a letter

Ika phone sesina entha mandhi answer chesthaaru. May think telemarketing call and not answer
 

Uno
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Posted on Tuesday, June 11, 2019 - 10:42 am:       


Nanigadu:

yeah adhey problem 15 to 45 antey too much of a jump one time
may be claim thaggisthey emanna change vuntadhi emo anukunta




I think they have rates based on age range like 60-65 yrs one slab and next 65-70 yrs another rate

May be one of your parent has just crossed 59/65 /75 etc and moved into another rate/range..so impact on risk rating and so the premium
 

Ajayk
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Posted on Tuesday, June 11, 2019 - 10:40 am:       

idhedho obamacare laaa vundhi gaaa. irrespective of existing condition healthcare firms should accept and there's no limit on premium prices anukunta
 

Nanigadu
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Posted on Tuesday, June 11, 2019 - 10:37 am:       


Junior_no1:

vunkle age factor ayyi vuntadhi




age vokkatey kadhu
how much you are claiming annadhi kuda important
but edhavalu renew chesetappudu call chesi cheppali kadha
we are raising it this time ani, cheppakunda chesthey elaa
 

Uno
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Posted on Tuesday, June 11, 2019 - 10:36 am:       


Chenagalu:

sorry, Paraayi desam vallaaa?




No,I am very much lived/living in USA from last decade

One foot in US and another in Canada..I had US health insurance till 2014 (Pre-Obama care)

Except Health Insurance,I have all service running in US,including mortgages and Utility bills
 

Nanigadu
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Posted on Tuesday, June 11, 2019 - 10:35 am:       


Uno:

First I thought the existing company has raised,but when i inquired/got quotes from other companies..almost all have quoted similar rates

I think in India,these companies act like mafia/syndicate and fix the rates




yeah adhey problem 15 to 45 antey too much of a jump one time
may be claim thaggisthey emanna change vuntadhi emo anukunta
 

Chenagalu
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Posted on Tuesday, June 11, 2019 - 10:30 am:       


Uno:

I am not sure about US,but in canada these




sorry, Paraayi desam vallaaa? :D
 

Chenagalu
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Posted on Tuesday, June 11, 2019 - 10:29 am:       


Uno:

I think in India,these companies act like mafia/syndicate and fix the rates




WOW, just India?

US lo ela? meekunna data ki ilanti sweeping statements ela?
US lo Health ki related motham mafia/Syndicate kaadaaa? Hospitals,Pharmacy,insurance.... everything
 

Uno
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Posted on Tuesday, June 11, 2019 - 10:10 am:       


Rajusk:

vomerica lo kooda anthe gaa ..anthe gaa




I am not sure about US,but in canada these insurance companies have centralized data of every insurers health (just like credit bureaus).They rate people's health coverage risk.The rating is based on your boold work,existing diseas,age,lifestyle,BMI,health habits (smoking etc) The insurance premium is based on rating

The rating changes when ever you get admitted into hospital or when ever you are diagnosed for diseases

So,by default they do blood test for new customers whose data is not in their system

If i go to another insurance company,the new insurance company has access to my old rates and my claims history and the new company will never go below my existing policy rate..so kind of 'fixed' system
 

Junior_no1
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Posted on Tuesday, June 11, 2019 - 10:04 am:       


Nanigadu:

now they raised it 65K anta for this year


vunkle age factor ayyi vuntadhi
Technologytho Dongatanam chese Party
 

Ramjirao
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Posted on Tuesday, June 11, 2019 - 10:03 am:       

//My parents used to pay Rs 15k till last year..now they are paying Rs 40k each (with no medical conditions or never claimed medical insurance in last 10 years)


Yearly medical coverage is Rs 10 lakhs means to get that expense it is collected from 10-15 people. Insurance operates on the premise that al1 people wont need at the same time
 

Rajusk
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Posted on Tuesday, June 11, 2019 - 09:59 am:       


Uno:

I think in India,these companies act like mafia/syndicate and fix the rates




vomerica lo kooda anthe gaa ..anthe gaa
 

Ramjirao
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Posted on Tuesday, June 11, 2019 - 09:50 am:       

//but still 25 nundi 65 antey too much kadha


Risk also increases at this age kathaaa

Andhra Bank is seller of the insurance which is provided by United India or New India assurance
 

Uno
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Posted on Tuesday, June 11, 2019 - 09:47 am:       


Nanigadu:

eti evariki avedea ledha inka




yes
My parents used to pay Rs 15k till last year..now they are paying Rs 40k each (with no medical conditions or never claimed medical insurance in last 10 years)

First I thought the existing company has raised,but when i inquired/got quotes from other companies..almost all have quoted similar rates

I think in India,these companies act like mafia/syndicate and fix the rates
 

Nanigadu
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Username: Nanigadu

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Posted on Tuesday, June 11, 2019 - 09:25 am:       


Nippu:

65 + batch.




yeah, his dad just crossed 70
may be that's also played a part
but still 25 nundi 65 antey too much kadha
that too at this age for them
 

Nippu
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Posted on Tuesday, June 11, 2019 - 09:21 am:       

earlier it was only 5 lakhs now they increaded to 10 lakhs and premiums increased more to

65 + batch.

its not totally true.
 

Nanigadu
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Posted on Tuesday, June 11, 2019 - 09:19 am:       

eti evariki avedea ledha inka
 

Nanigadu
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Posted on Tuesday, June 11, 2019 - 09:05 am:       

ippudey maa vodu telling
he used to pay 25K for health insurance for his dad in Andhra Bank
now they raised it 65K anta for this year
adhenti alaa ela raised amma

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