GENERAL INSURANCE: Compare existing products while porting health insurance plan

I had taken a floater policy from a private general insurance company seven years back, for my son, daughter-in-law and two granddaughters for Rs 300,000. Additional bonus sum insured is Rs 210,000. Its renewal of Rs 22,600 for one year is due on June 27, 2019. I am not happy with the insurance provider and want to port to some other health insurance provider without losing any benefits that is, cover of Rs 300,000+ Rs 210,000. Can you please suggest one at least equivalent to the present one.
—A N Agrawal

We assume that you too are covered in the policy. Kindly note while porting you can compare the health products in the market. One should look for a health product/plan, that offers covers other than the traditional features, for example, maternity cover, domiciliary cover, alternative treatment, long-term policy, installment facility, minimal co-payment, minimal waiting periods, hassle free and good claim settlement.
The below mentioned Future Generali Health plans that can be considered:

Option 1-

Health Total Vital plan - It has sum insured options of -Rs 3 lakh /5 lakh /10 lakh. Kindly note the portability, that is, continuity will be offered for base sum insured +cumulative bonus, that is, Rs 300,000+ Rs 2,10,000. Accordingly you will have to opt for minimum Rs 10 lalh sum insured. However you will have to opt for two separate policies : one individual for self and another floater for son + daughter-in-law + two granddaughters. Kindly note here your son will have to be the proposer to cover his spouse and children

Option 2 –

Health Total Superior plan - It has sum insured options of - Rs 15 lakh /Rs 20 lakh /Rs 25 lakh. Kindly note the portability, that is, continuity will be offered for base sum insured +cumulative bonus that is, Rs 300,000+ Rs 2,10,000. Accordingly you will have to opt for minimum Rs 15 lakh sum insured .You can opt for the floater policy for entire family, that is, self + son + daughter-in-law + two granddaughters. Acceptance is subject to policy terms and conditions

Send your queries related to general insurance to personalfinance@dnaindia.net.