Health Insurance Process and Review
There are 5 edits in this post with updated or corrected information. Please go through them if you have missed something. I am NOT expecting this post to be edited in future. Thank You all for the updates, correction and participation.
Recently, I was searching for Health Insurance plans for my parents (both 55+) for ₹10-lakh Sum Assured (SA). I stumbled upon this excellent post
and used it as my initial template. Because that post was a year ago, I want to collate /update /reiterate the information. My post will be long and some advice will be repeated but I am hoping for your comments, corrections and personal experiences, if possible. Basics
- "Health Insurance" section of Sub wiki i.e. Insurance is woefully inadequate and old. However, it covers the basics. Before diving deep into the subject, understanding of basic terms is essential.
- Personally, I found this PDF a decent read. Suggested by u/random_desi_guy in this comment
I decided on following points –
- Family Floater Plan – Because both are in similar risk profile.
- No Co-Pay
- No Room Rent Limit (sub-limit)
With these minimal conditions, both CoverFox
effectively bound me to choose between HDFC Ergo and MaxBupa.
- Care & Birla were out because of "Single Private AC" on Room limit and 4Y for pre-existing conditions
I want to clarify here that "Single Private AC" and 4Y for pre-existing conditions are NOT bad, as such. But, in same class, HDFC and Max are providing ALL Rooms and 3Y for pre-existing.
"HDFC Ergo Optima Restore" vs. "Max Bupa Health ReAssure"
- My notes are missing the reason for exclusion of Royal Sundaram but I guess, it was probably its premium and Hospital coverage in my area.
- ICICI Lombard – Both Coverfox and BankBazaar does not offer any product from ICICI. Its premium (on its website) turned out to be costly. See Below for details.
- Premium – HDFC premium is much higher than Max. For my parents, HDFC Yearly premium was 46% higher than Max Bupa (Yes, it is NOT a typo).
- Pre-existing diseases - Both cover them after 3Y
- Both provide no-claim bonus of 50% for 2Y i.e. 100% cumulative and both deduct it by 50% after claim. (sidenote: Max Health Companion plan will NOT reduce it after claim. However, it charges higher premium)
- Hospital Coverage – HDFC has much wider coverage compared to Max.
- Reviews – HDFC has better reviews than MaxBupa about their claim settlement process.
Decision – HDFC (Higher premium but better chance of support.)
- Edit 5: Decision – I have purchased Max Bupa despite their bad reviews. Originally, my Parents mistakenly identified a key hospital unavailable with Max. However, it was available in its network. With this change, the difference in premium between Max and HDFC became too much to handle.
- Originally, I was going with 5-lakh SA with Super Top-Up. But, after more consideration about the total cost and headache involved for the parents, I decided to increase SA to 10-lakh without Super Top-Up. See Below for details.
- "Critical Illness Rider" is supposed to open to interpretation by the company, so I decided against it for now.
Coverfox sales person was good and tried to find out actual answers if required. However, Coverfox site has not been updated with latest plan (MaxBupa Health ReAssure) due to Covid-19. Further, their site also does not show correct list of hospital coverage. Personally, this was a deal breaker. If they can't be bothered to update their product listing, I am doubtful of their claim about great support during claim settlement process. BankBazaar
- BankBazaar site is good but their salesperson kept giving me misleading or inaccurate information.
- He told me that if I buy the policy from them using Credit Card, they will give me 0% interest rate on EMI and that offer was available only for that day.
I checked, the policy site itself is offering same reward even today. Edit 4:
The website of insurance company didn't offer 0%EMI on credit card, so I bought my policy with Policybazaar. They gave me discount on total premium. Thus, although bank will charge EMI interest on my card, effectively I am NOT paying anything extra. Others
Claim Settlement Ratio
- InsuranceDekho does not have good plans or enough plans
- Myinsuranceclub was so bad that after 30min, I was not able to see any plans on the site
- PolicyX – See This Comment
The document to check this is called "NL25". Every Insurance provider has this uploaded on their site. Although, this is cumulative information for all their policies but still it provides a base to compare. ICICI Lombard
As stated above, it is not a partner to either Coverfox or BankBazaar. Its premium was higher than even HDFC. However, it also offers coverage of pre-existing diseases after 2Y (compared to 3Y by HDFC). (As stated by both Coverfox and BankBazaar) Problem with ICICI is that when its premium band changes, after 4 or 5Y, the premium shoots up significantly.
One thing to add vis-a-vis ICICI Lombard. Purchasing it via Amex will give you a dedicated Amex team to handle your queries and claims. This Comment
by u/librislibertas Exclusions
Earlier, there were a list of consumables (Syringe, Gloves etc.) and administrative expenses (Application fees etc.) which had to be paid by the policy holder but Oct-2020 onwards, IRDAI has disallowed these exclusions. If someone has any experience regarding this, I would be grateful. OPD Coverage
Be aware that, unlike in some other countries, HEALTH insurance in India is actually HOSPITALIZATION insurance (with some exceptions). If you get expensively ill but do not require hospitalization, you get nothing. this comment
I really wanted a policy with OPD Coverage but their premium or the rider are very high. I would have paid additional ~3,000 yearly for OPD coverage limited to ~5,000 yearly. If anyone is interested, it is covered in HDFC ERGO Health Wallet. Super Top-Up
Yes, Super top up is another policy on it's own. You even get a separate insurance card.
Top-Up is effectively a separate policy and if I port the base policy, Top-Up is NOT ported. Please see This Comment
by u/Prashank_25 Critical Illness Rider
It is supposed to open to interpretation by the company, so I decided against it for now. References
: EDIT Privacy
had kept all medical and conversation information of mine for 2Y atleast. In 2018 also, I tried to convince my parents to buy Health Insurance but they were not interested then. Hence, I didn't buy any product from either site at that time (2018). Please remember this when you talk to anyone. Edit 2
: More References
: Incurred Claim Ratio
It can be found Here
provided by u/tvijay1
. It is NOT extremely relevant for established companies but it is better to have an idea about this. Disclaimer: I am NOT a professional in financial field. Feel free to discard my advice at your convenience. Who/why need Health insurance in India? YES, Everyone needs to have Health Insurance.
If someone can't afford Health Insurance, He/She definitely can't afford Hospitalisation.
Health Inflation in India is much higher than normal inflation and we need to be on this band wagon. Further, You can account for your Food, Shelter, Education and other living expenses but Health Expenses are extremely high and sudden. Health Insurance reduce their impact on your lifestyle to a certain extant. I want to add many more sentences here but I don't want to repeat the linked posts above. Many smart people have given much better reasons, please read them. Edit 3: PSU Insurance Companies
I want to clarify that Government Companies may turn out better or more reliable. My personal preference is more towards 'Ease of Doing Business' and the perception is that private companies are much better in this regard. After some suggestions here, I looked at 2 of them. One had high premium with lower benefits and the other (SBI) told me that they can't take my money online (!) and I need to contact their office if I want to give them money.
I believe that in 2020 this sort of headache is not worth the effort (for me). But, please look at the policies if you are interested and feel free to share your thoughts /experiences. Edit 4:
See Above Edit 5: Co-pay & Deductible
(Also See Above)
Personally, I do not want to concern or limit myself to the question of cost of the medical care at the time of Health Emergency. If their is a co-pay clause, my parents will look for cheaper hospitals too whereas I want them to go for the best possible option (within my limited means). Tl;dr:
Health Insurance purchase turned out to be a 1 week involved exercise for me and even then I made some mistakes. Please read thoroughly and decide wisely.
submitted by ThisDecade
A Critical Look at Android Email Apps & Clients [Poll][Discussion][Reviews]
Hello friends. I have had a dilemma for a year or so now regarding email clients on Android. They all seem to have issues and sacrifices. So I decided to test out the mainstream ones that I would trust with my email stuff.
Let me start off by acknowledging a couple things:
- I know, I know "Why not just use the Gmail app"? The Gmail app has a couple of key sacrifices I will cover later in my review of it.
- "My email client [X] works perfectly!" That's awesome! I want to hear from you, take the poll and tell me what you use and please share in the comments too. If your email client isn't on this list, I will add it! But you gotta fill in the poll for me to be able to do so.
- I am not meaning to put down any developers, users, or anything with this. This is a critical and objective look at common email clients I have used and they have sacrifices for me. It might be perfect for you and I want to hear about your positive (and negative) experiences with different clients.
- I AM NOT BEING PAID BY ANY DEVELOPER OR ANYTHING
- I am not able to test the Samsung Email App or the LG Email Client at this moment because I lost my old s8 I was planning to test it on and I don't own an LG Phone. I will hopefully find the S8 in the coming days and update with my usage.
- If you have pro's and con's of listed email clients here that I did not touch on, fill out the form at the end of this post! I will be adding to this post it is not meant to be stagnant.
- I will be making the results available for anyone to view at the bottom as well
- This post is formatted for Desktop, if you are having issues viewing it, pull it up on the desktop site.
- Added Outlook and Spark to the Poll because Imma dumb.
- Cleaned up a lot of entries (Mainly Fair, K-9, Nine, and AquaMail) and corrected information I was wrong about.
- Added link to the updated k-9 on F-Droid
Alright, lets get to the email clients I have used and tested.
- BlackBerry Hub/Inbox
- Sony Email
- Samsung Email
- LG Email
- AOSP Email
- k-9 Email
- Fair Email
- Aqua Mail
- Spike Email
- Spark Email
- Inbox (RIP)
Below is a breakdown with Pros, Cons, Notes of each client, Screenshots of the Clients (Home page/Inbox, settings, and maybe and extra page or two), and a link to where to get the email client.
- Devices: Pixel 4 XL, Android 11 & Sony Xperia 5 II Android 10
- I created a throwaway email to sign into these email clients with because I dont want yall to see goodies
I have no screenshots, everyone has this app basically. Find it on the play store or already on your phone.
- Very Smooth integration
- Comes with all android devices
- Easy to set up
- Notification actions are not customizable
- Has been having notification issues for many users
- Cannot add a Google/Gsuite account without adding it to your android device as a whole without some jank tweaking
- " One major con of gmail, and I haven't seen this behaviour anywhere else, is that when you Reply All, it does not show all recipients in the mail chain body. It only shows it was replied to you. Please understand that I'm talking about the mail body. The to/cc fields show everyone. It's bad for traceability. " - @imakesawdust
Gmail app works rather well. However, it is not exactly productivity focused or "ground breaking" like some other apps (Inbox, Spark, Outlook's Focused Inbox Default) A couple glaring issues I have with it were covered in cons but it does not let you change notification actions. I do not archive emails, I mark them as read or I delete them. Along with this, I cannot add an email account that has any Google integration without it adding that google or gsuite account to my device. For example, I cannot just add my school and work email without them being added to my Android device and thus removing access to some features on the device like assistant 2.0.
Blackberry Inbox (used to be Hub) Screenshots
| Link to BlackBerry Manager
- Very productivity focused
- Includes a helpful calendaupcoming events section in the inbox
- Has great customization options for creating custom "views" allowing you to curate different local inboxes to combine inboxes and folders from different email addresses.
- Can integrate notifications from other apps such as Social Media and Group Messaging apps
If you have numinous folders in your email account, syncing is weird and difficult.
- Search function is broken at times
- Sent folder syncing breaks occasionally
- requires you to have Hub+ services from Blackberry which is paid after a certain usage time period
- Otherwise requires Blackberry Manager to download both Hub+ services and Inbox
- Doesn't look the best but is ugly by any means
- Notifications have been weird recently; double notifications, grouping and not being able to ungroup.
This is a great all around Hub for your notifications from both email and social media/group messaging apps. It has weird screen formatting issues and for those with cutouts and notches, it can look weird.
It has serious issues with folder syncing becuase I have 10-20 custom folders in my personal gmail and I have to manually tell it to sync every single folder and it is not a single click but rather a couple click process.
During testing, I have found that you can indeed sync all folders with just a click or two.
Sony Email Screenshots
| Link to ApkMirror
- Very clean layout
- useful upcoming events footer
- Simple enough to set up
- syncs all folders without any issues.
- Supports oAuth for gmail accounts for simple sign in
- Will be shut down within a year most likely
- Having issues signing into some smtp settings, I got it working but it is a pita
My internship gsuite email will not sync smtp, same with a test gsuite account I created however, other gsuite emails seam to work. I have gone through and tried the 2fa, app password, enabling less secure apps, changed admin policies on the admin side. I cannot get smtp to work on these accounts with this client.
I got this to work finally, I had to make it think it was a gmail based account first then finally sign in by changing information. Outlook Screenshots
| Play Store Link
- Very secure
- Has the backbone of Microsoft
- Makes managing multiple emails pretty easy
- Has a Focus inbox (pro for some, con for me)
- Requires you to sign into a google account and add the account to your android devices.
- The focus inbox is crap imo
- It auto defaults to calendar notifications that I find annoying.
Outlook gets the job done. The UI is meh, I dont like some of their choices for features.
No screenshots as of right now | Play Store Link
- Easy set up
- Looks decent
- syncs all folders
- Samsung device specific
- Does not offer a lot of customization options
Notes: I am not a fan of the design of this app but it is not bad by any means. It is Samsung device exclusive. I do not like the auto default to calendar syncing.
No screenshots | ApkMirror Link
AOSP/LineageOS Email Client Screenshots
| ApkMirror Link
- Super Simple
- Clean looking
- Works with any account I have tried
- Will always be free
- Not simple to find
- Support will most likely be phased out
- Very little customization
This client is the simplest out of all of them. Not many customization options, straight forward setup. Unless you use a tweaked version, it doesn't natively support theme changing with device theme change.
| Play Store Link
- Support offered
- Syncing works very well
- Offers calendar cynic and views
- Tasks syncing and management
- Paid (Just a one time payment, I was wrong about that originally)
- Doesn't offer much customization even though you're paying for it
- Starting to look out of date
I personally don't think we should have to pay for such a simple app. If the service was decoupled from usage of the app, I would be okay with it. But a lot of features are locked behind a paywall. The material design is starting feel out of date considering you are paying for this.
K-9 Email Screenshots
| Play Store Link
| F-Droid link with Updated version
- Open Source
- Great control over settings
Out of date (on android 10 I get the app targeting earlier API Version warning every time I open it) There is a beta version that is in development that has material design!
- Setting can be confusing/not the easiest set up
I love the fact this is open source! But the primary app is very out of date. I really do not like the look of it and it plays weirdly with notches and hole punches.**Updated Notes:**A couple people pointed out that there is a beta version out that has a material design, I haven't tried it but will and will report back with screengrabs!
Fair Email Screenshots
| Play Store Link
- Open Source
- Very granular control over sync and email
- Being updated often
- Fair amount of customization
- Does not look the best
- doesn't play well with stricture GSuite accounts.
| Play Store Link
Shoves paid version down your throat
- Apparently the version on the Play Store is purposefully a two week trial.
- Pins paid banner to compose and sends them out as signatures (which I find really annoying if you want me to try a two week period, let me us the full features for a week or two then pin the banned back)
The constant annoying for the paid version which is already at a high price is a complete deal breaker for me, even though this is a two week trial. The fact that it pins it to your signature is absurd when you are supposed to let me try it for two weeks and see if I like it.
| Play Store Link
- Offers all in one solution for calendar, contacts
- Decent UI
- Has a ton of features
- The UI is IOS looking based
- It can get overwhelming
- Is bloated
- Has a paid version that they hide good features behind
I am impartial to this UI, but I wish it would have its own design following material instead of a Facebook and IOS mix. It doesn't look that good for me and is too busy. It does have a lot of features though.
| Play Store Link
- Very clean UI
- Easy to us
- Offers just enough without being overwhelming
- Does not have a ton of features
I really like Spark, I have hesitation of its security though. It looks really good and is pretty simple.
Additional Email Clients from you guys! Email by Edison
This is a Google Forms poll just to get an idea of what you guys use, what you like about it, and what you wish would be improved
about your chosen client. If you have not input for likes/dislikes, just write "n/a"
I left options for people who use two email clients (if you use more, just write about your preferred ones I suppose) but they are not marked as required.
I am not doing anything with this form other than just showing you guys what others voted and using the data to update the pros and cons lists of the email clients. It will be anonymous.
submitted by eqbirvin