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Even I made the same mistake. Took my personal health insurance 2 years ago with 3 year waiting period. Thank you for sharing this important aspect which many of us don't think about the long-term disadvantages as we feel corporate health insurance is secured.
My corporate mediclaim from United India insurance has no copay, no room rent capping. It covers dental and hi tech surgeries as well. However still I had to pay around 20% of the hospital bill from my pocket. This my recent experience with cashless corporate mediclaim.
Free medical annual health checkup is also available in corporate mediclaim. However in my company the health checkup package is very basic and doesn't include anything other than blood test
Hello sir- there are few policies like super top up which have a lockin period of 3 years. I bought super top up for me and my father and it's just one year. I am leaving my company aftertwo month. Will my current company charge for remaining two years and they will deduct two years premium fron my fnf settlement or it will not be applicable on me?