This is abhishek Jain Age 35 and Diabetic staying in Navi Mumbai, Just wanted to know whether Star heath optima health insurance is perfect for my Family . since i wanted to go for the same with policy bazar and the premium comes as 14060 Rs annually but the main concern of mine why these people does not go for Medical test they just wanted to do a telephonic test of mine.whether this will not have any trouble in future at the time of taking covers from the insurer.
Please suggest that is star health optima is a good choice.
Before judging the product based on PolicyBazaar (they are agents) and premium, check at first the exclusions of the policy. If you are still comfortable with the product, then go ahead.
Regarding medical examination, even if they insist for telephonic analysis, try to mention the same in proposal form about your current state of health (CLEARLY).