Curated, unbiased answers to your insurance questions. Powered by experts. Powered by you (+ 20K members)

+ Ask a Q
Health insurance for mother
Posted By ashok T MEMBER 21 Apr, 2022


I have comprehensive policy for my mother with Star health since 2020 for sum assured as 5 Lakhs. My mother got PED like BP, Diabetes, Hypothyroid , heart attack and so. I declared everything and base policy got approved with waiting period of 3 years for PED.

Now only one thing got added recently is knee pain apart from that rest of PED is same. With this situation, i tried to apply top up policy for 20 lakhs with star health and they denied stating the PED so we cannot approve top up policy. I have few questions related to that.

1) Is it fair reason for them to deny top up policy though my mother is having base policy with them with exact PED till date except knee pain ? Or do i have any option to defend that ?

2) Given this situation, what option i have to get adequate coverage for my mother ? She is 64 years old. I am thinking 5 lakhs sum assured is low in current days, what options i have to get better coverage even out of star health or within star health ? I am paying around 30000 per year for 5 lakhs sum assured with comprehensive policy.

3) Am i thinking too much and 5 lakhs is more than enough ?

Please help me with your thoughts.

Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2022 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to now 🙂