Ask an Expert - Your Personal Insurance Advisor

Dear Sourabh,



Since your father is 66 years old with a Pre Existing Diseases, it would entirely depend on the underwriting team of the Insurance Company to decide whether he would get Insurance and if yes, then the extent of the coverage.



However, it is still worth taking the plan, since you would get... Read More>>

Hi,

Since you are looking for a Term Plan with a pre-existing disease like Diabtetes should not be any different from with no disease since Term Plan provides for death coverage only.

However, you must disclose all ailments to the medical underwriter about your diabetes and let them decide if they... Read More>>

Dear Karthik,

Since you are looking for a Family Floater Plan, it indeed is a good gesture  irrespective of the fact that your child already has pre existing ailments. This is because, there would certain exclusions for you, i.e. you might not be covered for some diseases for 3-4 years. However, it... Read More>>

Opting for a Term Plan with a pre-existing disease should not be any different from with no disease. However, you must disclose all ailments to the medical underwriter about the diseases of your mother and let them decide if they would charge an additional premium for your mother or not. In either... Read More>>

It is a Great Thought and good gesture that you are planning to get a mediclaim policy for your son irrespective of the fact that he already has pre existing ailments.



Since he has pre-existing disease which is his heart ailment, there would certain exclusions for him, i.e. he might not be covered... Read More>>

it is a good gesture that you are planning to get a mediclaim policy for yourself irrespective of the fact that you already have pre existing ailments. Since you have pre-existing disease which is your heart ailment, there would certain exclusions for you, i.e. you might not be covered for some... Read More>>

If you had mentioned that your child had a squint from birth and you have already done an earlier surgury without much improvement, then there is no reason for you not to claim the amount as you have disclosed all facts and they have agreed to undertake the risk. However, if the same has been... Read More>>

So, you are looking for a health insurance plan which is especially designed for your 22 year old diabetic neice? It is a very good gesture that you are taking care of her since diabetes is an illness which leads to many other. Since medication and proper care is of extreme importance especially for... Read More>>

Since you have Renal Failure and undergoing dialysis as a Pre-existing Disease, there would certain exclusions for you, i.e. you might not be covered for some diseases for 3-4 years. However, it is still worth taking the plan, since you would get coverage for all other ailments other than... Read More>>

It is true that most insurance companies cover preexisting diseases after 3 to 4 years and so is in the case of this health insurance policy. If you were hospitalised for treatment of illness due to your pancreatitis problem, then the insurance company will not pay for your bills and you will have... Read More>>