Results 1 to 3 of 3

Thread: Health insurance policy providing pre-existing diseases (especially for knee replacement)?

  1. #1
    PolicyWala Newbie
    Join Date
    Mar 2009
    Location
    India
    Posts
    10

    Question Health insurance policy providing pre-existing diseases (especially for knee replacement)?

    I am working in a IT MNC and my age is 56. I am looking to buy health insurance for myself. Please provide details of good health insurance policy providing pre-existing diseases (especially for knee replacement).

    Thanks in advance!

    HV Kumar



  2. #2
    PW Stalwart v.r.s.nathan's Avatar
    Join Date
    Apr 2009
    Location
    Nagpur
    Posts
    250

    Default

    No company provide coverage to pre-existing diseases. Pre- existing diseases are excluded from the coverage. There is waiting period of 3-5 years, before these are covered.

  3. #3
    PW Stalwart v.r.s.nathan's Avatar
    Join Date
    Apr 2009
    Location
    Nagpur
    Posts
    250

    Default

    Coverage to pre –existing disease vary from one insurance company to another. For example -
    Apollo DKV - After 3 years of continuous policy years
    Cholamandalam MS General - After 3 continuous policy years where no claim, care, treatment or advice has been recommended by or received from a doctor in relation to such pre existing condition during that 3 year period
    National Insurance - After 4 years of continuous policy years
    ICICI Prudential - Pre existing illnesses and conditions, which are declared at inception and specifically accepted by the company would be covered
    Star Health - After 5 years of continuous policy years

    Some disease will be covered after paying additional premium e.g. Pre-existing diabetics/hyper tension
    New India Assurance - From 2nd year, on payment of additional premium
    United India Insurance - After paying an extra premium of 30 per cent

    Please always mention any pre-existing condition in the proposal form, otherwise insurance company may not cover it lateron.


Tags for this Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •