Ask an Expert - Your Personal Insurance Advisor

Dear Vibhor,

There is no rule for policy acceptance. You can apply to any plan but whether or not they would accept depends on the risk assessment by the underwriter.

Now, there are many plans which cover pre-existing diseases and the same is covered after a certain waiting period. Most insurers... Read More>>

There is one specific plan for diabetic patients. Star Health Diabetes Safe is a health insurance policy which covers medical expenses incurred by a person due to diabetes. Protection against many treatments arising out of diabetes is offered by this plan for those affected by Diabetes Mellitus Type... Read More>>

There is a special plan for the people who had a cardiac arrest or a health ailment concern in the past from Star Health called Star Cardiac Care Health Plan. This is a unique and innovative health insurance policy launched by the Star Health for those who have undergone heart related treatment.... Read More>>

Dear Ramesh,

The premium totally depends on the type of plan you are looking for. If you need a health plan, it is different from a Critical Illness Plan or a Personal Accident Plan. It also depends upon the Health plan you have chosen.

Also, you may be looking for only death coverage in an Endowment... Read More>>

Hi,

Pre-existing diseases are always excluded and for all you know even your might be. But term plan might not consider it that ways. They might simply load your premium for the additional risk you are carrying in your life.

However, since there is no written rule of how much insurance you can have,... Read More>>

There is no rule for policy acceptance. You can apply to any plan but whether or not they would accept depends on the risk assessment by the underwriter.

Now, there are many plans which cover pre-existing diseases and the same is covered after a certain waiting period. Most insurers which do cover... Read More>>

You can opt for any plan. Online Term Plans can be purchased online without the intervention of any agent and hence it is much cheaper than offline ones. Among the most popular ones are:

1.Aviva iLife, 

2. HDFC Click 2 Protect, 

3. Aegon iTerm 

and buy one immediately. Take a minimum cover of at least... Read More>>

Dear Tutul,

There is no rule for policy acceptance. You can apply to any plan but whether or not they would accept depends on the risk assessment by the underwriter.

Now, there are many plans which cover pre-existing diseases and the same is covered after a certain waiting period. Most insurers... Read More>>

Dear Sowmya,

There are many plans which cover pre-existing diseases and the same is covered after a certain waiting period. 

Most insurers which do cover pre existing diseases have a waiting period for 3-4 years. However, it is still worth taking the plan, since you would get coverage for all other... Read More>>