Ask an Expert - Your Personal Insurance Advisor

Dear Nitin,

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... Read More>>

Dear Rajendra,

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>>

For you to be classified as a Non-Smoker, it is usually taken as period of 5 years. In the last 5 years, if you have never had tobacco in any form, you would be classified as a non-smoker. However, if you are an occasional smoker as well, then also you would be classified as a smoker. 



Now, this... Read More>>

Dear Rekha,

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>>

Dear Sahitya,

Since your father is 61 years old, you can opt for a Senior Citizen Plan where the pre-existing diseases can be covered after 1 year. There would be waiting period here as well. However, it is still worth taking the plan, since you would get coverage for all other ailments other than... Read More>>

Hi,



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... Read More>>

Hi,

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 ailments... Read More>>

All general insurance companies that offer health insurance plans will cover your existing diseases / medical conditions. However, the health policy will not cover it instantly. They will do so after you renew with them for 3 to 4 years on continuous basis.



Please click for a list of all general... Read More>>

Dear Maneesh,



You can avail Star Health Diabetes Safe Plan for both the person concerned. It is a special health plan which has been specifically designed for diabetic patients.Since you are inquiring about a diabetic patient, this plan is very apt for the same.



Star Health Diabetes Safe is a health... Read More>>

Dear Pravin,



You can avail Star Health Diabetes Safe Plan for yourself. This plan has been launched especially for the diabetic people like you. 



Star Health Diabetes Safe Plan is a health insurance policy which covers medical expenses incurred by a person due to diabetes. Protection against many... Read More>>