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Akhil Gautam
April 5, 2011
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I am 62 year old Ex Journalist. I was operated for throat cancer 25 months back. Now I am in perfect health. Any medical policy for me?.

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MIC Staff

February 9, 2017 : Answered in 5 Years 10 Months 4 Days

There are many insurance companies who would provide medical insurance to you but the only condition would be that they will not cover your existing ailment from day 1 of the policy. Pre existing diseases (PED) or ailments are usually covered after certain months of continuous renewals with the same insurance company. For example Max Bupa Heartbeat Plans which cover each and every person right from birth (age 0) till death (no age limit), but they also cover pre-existing diseases after 48 months of continuous policy renewals.
 

 

Alternately, you can also look at Star Health Senior Citizen Red Carpet Insurance Plan, where pre-medical tests are not required for the policy and it especially caters to senior citizen from 60 to 69 years old. In this policy, pre-existing diseases are covered from the second year of operation.

 

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