https://www.desidime.com/discussions/anyone-having-experience-with-psu-health-insurance?post_id=10543811#post_10543811
Folks had/have NIA policies for yearseven decade plus.
Not that they had as many hospitalisationbut on the few occasions which father claimed.. the TPA and processes were responsive.
(He has a habit of not disclosing to the hospital that he has a policy. He prefers to pay and later claimwith the assumption/logic that hospitals randomly put more consumablescharges if they realise that the customer Haa less out of pocket expenses.)
So NIA would be above averagein my view.
I took it personally and even sulked.. when Max and Bupa broke up the JV.
have no direct experience with Niva Bupabut Bupa.. in general.. are very efficient and also ethical.
Others in my circle have taken Niva Bupa products.
have personally experienced Bupa's excellent service in even slightly remote areas.. in Africa though.
Hence the part where I tipped the scales for Niva too.
Not that they had as many hospitalisationbut on the few occasions which father claimed.. the TPA and processes were responsive.
(He has a habit of not disclosing to the hospital that he has a policy. He prefers to pay and later claimwith the assumption/logic that hospitals randomly put more consumablescharges if they realise that the customer Haa less out of pocket expenses.)
So NIA would be above averagein my view.
I took it personally and even sulked.. when Max and Bupa broke up the JV.
have no direct experience with Niva Bupabut Bupa.. in general.. are very efficient and also ethical.
Others in my circle have taken Niva Bupa products.
have personally experienced Bupa's excellent service in even slightly remote areas.. in Africa though.
Hence the part where I tipped the scales for Niva too.
Take this policy cheap and best policy and WITH OPD BENEFITS 
Key Features 
⚕ Doctor Consultation
The big advantage with 4 PSU health insurance companies is they have a separate rate structure with hospital called GIPSA (not sure of spelling). E.g. my brother underwent hernia surgerythe cost give was 1Lwhen we told about our policy with PSUit was done in 87KSame Doctorsame hospital same room type. These 4 companies with their sheer size have negotiated far better rates with the hospitals. So my 5L lasts longer compared to same 5L policy with non PSU health insurer.
I currently have star comprehensive 2A+1c policy of 5lakh and 2.5 lakhs bonus with renewal by 3 days away on 6th. I want tonport to care supremeany suggestions?
I'll suggest not to go ahead with Care.