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If a person has bipolar disorder, is he/she entitled to get health insurance. It doesn’t matter if the insurance can cover bipolar related hospiltalization.
I am a young professional, turned 24 this January. I do not have any loans against my name, but I do take care of my parents' expenses. I was recently diagnosed to be having high blood pressure that the doctor has said to be treatable with lifestyle changes. I am thinking about getting a term insurance, how does my having blood pressure affect the term insurance premiums? Also, should I wait until I am back to normal blood pressure levels. If I do so, how would the premiums be affected in future based on my medical history of having hypertension? Please enlighten what to do?
I hold a Canara HSBC Oriental Bank of Commerce Life Insurance iSelect +Term Plan
An Individual Non-Linked Non-Par Pure Risk Premium Life Insurance Term Plan
.During purchase I had mentioned that I work as an Aircraft Maintenance Engineer and sometimes i fly as a non fare paying passenger.I dont work as a flight crew.Bit confused now that in case of an unfortunate air accident during a maintenance flight will I get the claim or not.
While purchasing online it was discussed on call and they told that you will get the claim in such case also.I also hold various LIC policies endowment plan and similiar concern for them as well.Request for your expert advice.
Thanks in advance.
Manish K Goel
Kudos for the yeoman service you're doing.
Alright, I have shortlisted a couple of plans /insurers based on my needs e.g. Max BUPA, but when I checked on social media e.g. twitter, there were horror stories about their claim settlement process and general customer service.
So, what does one do? Is it par for the course that this being India, any and every company can take its customers for a ride?
Should I pick one of the safer insurers e.g. New India Assurance even though their policies have limitations, but at least their customer service etc will be better?
Which companies provide incremental term insurance plans?I have talked to few agents and they told me it is not being offered in India but online forums say otherwise!I am a 37 year old male and looking to buy a term cover for 1 cr.I have shortlisted icici and Tata aia as max is currently not doing new policies.
Can you please explain the difference between life and term insurance? Which one is better? How to evaluate? Best companies to buy from?
I am trying to buy a term insurance policy and I got an option on coverfox to add accidental death premium? is it worth it? If I die due to an accident will my family not be paid the term insurance? Please explain this in detail
I am looking for a health cover for my parents 57 & 52. My father has Asthma. Considering my city, only 2 insurers have decent network hospitals and rest insurers are costly too. I am reviewing Aditya Birla Platinum health enhanced and Maxbupa Reassure/Companion plan. and along with Olamoney Manipal Cigna Super Top up. I know you suggest buying base and top from same insurer but here I am not finding any top plan here with available insurers. Should I ahead with this combo. Should I go with 5 lacs + 20 lacs or 10 lacs + 20 lacs (as both are different insurers). Kindly share your views on Olamoney Manipal Cigna Super Top up. Kindly advise plan, combination and structure.
If a person has a congenital internal anomaly then can he get health insurance? My son has is suffering from such a disease and insurer has declined him a health cover? As per my understanding after new guidelines by IRDAI, he was eligible for a health cover, but they say as per their under writing policy he can not be considered for a health policy?
Please advise how can we get a health cover for him!
I’m looking to port my parents health insurance who presently have SI of 5 lac (policy of more than 20 years) plus a top up of 10 lac (since 6-7 years). They’re aged 68 & 62. Now taking a floater of ₹20 lac for them. Will they get full coverage from day-1? While one parent has PED - Hypertension for 2-3 years. Will the insurer entertain claims atleast to the extent of 5 lac and 10 lac of top-up from the previous policy in the event of hospitalisation within the first year of porting?