Best Way to Pay 45K Insurance

[OptiCard]

Hi Guys,

As you guys are aware that now amazon has stopped using of amazon pay wallet loaded via GCs for insurance payments above 15K.

I need to pay Star Health Insurance premium of Rs.45K something but their portal don't have amazon pay wallet option.

Any suggestions or trick to pay the premium with maximize profits.

1 I knew is Tata Neu Infinity --> 5% upto 2K points.

 

[vchouksey80]

I doubt if TNI gives 5% upto 2k, last month I paid 78k of star health insurance via TNI and it was below 2k

 

[drvirag]

Tni gives 2k.
Or ask star health that u want to pay premium half yearly. Dont know if they have this option

 

[OptiCard]

I doubt if TNI gives 5% upto 2k, last month I paid 78k of star health insurance via TNI and it was below 2k

You paid via Tata Neu App ??

 

[OptiCard]

Tni gives 2k.
Or ask star health that u want to pay premium half yearly. Dont know if they have this option

Ahhh!!!
Over the app and website I could see only 2 options --> 1 year or 2 years

For 2 years extra 10% discount --> but I will loose 2K tata neu due to capping issue.

 

[drvirag]

Ahhh!!!
Over the app and website I could see only 2 options --> 1 year or 2 years

For 2 years extra 10% discount --> but I will loose 2K tata neu due to capping issue.

No u wont get that option in app or website. Try customer care. But i am not sure star has this option.
May i ask u why u want to renew star. It has worst claim settlement recently

 

[OptiCard]

No u wont get that option in app or website. Try customer care. But i am not sure star has this option.
May i ask u why u want to renew star. It has worst claim settlement recently

Nothing like that to stick on Star Health. Even I am exploring the porting things.

I searched over Policy Bazaar and got a call from them and Niva Bupa with Aspire plan something.

As they allow amazonPay wallet at no extra cost --> this is one more addon 😅

 

[drvirag]

Nothing like that to stick on Star Health. Even I am exploring the porting things.

I searched over Policy Bazaar and got a call from them and Niva Bupa with Aspire plan something.

As they allow amazonPay wallet at no extra cost --> this is one more addon 😅

Dont take a policy for few thousand profit. If u want to port to niva then stick with star. Rest upto u.

 

[OptiCard]

Dont take a policy for few thousand profit. If u want to port to niva then stick with star. Rest upto u.

I just now found out that Niva Bupa is having worst claim ratio. In addition, only 9k hospital lists.
Even the major hospitals are missing.

Please feel to advice any. I am looking for HDFC Ergo as well.

 

[drvirag]

I just now found out that Niva Bupa is having worst claim ratio. In addition, only 9k hospital lists.
Even the major hospitals are missing.

Please feel to advice any. I am looking for HDFC Ergo as well.

Hdfc> tata> icici> kotak

 

[haskand]

Hdfc> tata> icici> kotak

You can consider ABHI

 

[OptiCard]

Hdfc> tata> icici> kotak

I just now realized in Star Health Policy that 20% copayment need to be bear by insured only when the age is >= 61

 

[drvirag]

Take a policy with no room rent capping, no tier based or age based copayment. Better if consumables r covered or atleast have add on for that.

 

[vchouksey80]

You paid via Tata Neu App ??

Yes, I did two txn one(72k) via Neu app by scanning the QR, other one(78k) via card

 

[OptiCard]

Yes, I did two txn one(72k) via Neu app by scanning the QR, other one(78k) via card

Scanning QR code will give 1.5% only.

I guess 2K points limited to Tata Neu app only.

 

[OptiCard]

I feel Aditya Birla Active One Max is perfect fit for porting.