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Best Mediclaim policy between Star health insurance and National health insurance


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Piyush Jhawar
Q
I want to take an Mediclaim Policy for my family but i am confusing between Star health insurance and National Health insurance Can you please suggest reliable company among these I would be helpful if u can provide any other best plan also Below are my details -
Father age - 58 yrs
Mother age - 52 yrs
Myself age - 25 yrs
I also need tax benefit

Ans
All general non-life insurance companies offering health plans are reliable Almost all the health plans offer tax benefits under section 80D So you don’t need to worry about these 2 aspects Now comes the question whether you are getting a plan with maximum features for the price you are paying Also how many policies should you buy
1 Buy one separate policy for yourself of say 3 lacs This should not cost you more than 5000 yearly
Try looking at Religare Care HDFC ERGO Health Suraksha and Apollo Munich Easy Health Standard
2 Buy another policy to cover your parents This policy will be expensive because of the high age of your parents Both the options are good – Star Health and National Insurance