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Coverage of Bariatric Surgery under new IRDAI rules October 2020

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06 Oct, 2020 by Keerthy Arya

Hello sir I am a customer of health insurance from 10 years my doubt is I want to know whether bariatric surgery can be covered by the new rules of IRDA as on 1st October 2020

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06 Oct, 2020
Team Beshak

Hello Mr. Arya,


This question has been answered here: https://www.beshak.org/forum/post/morbity-obesity-from-oct-1-claims

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07 Oct, 2020
Avinash Sonee

Dear Sir,


Generally, don't the underwriters reject the proposals if the BMI > certain limit? unless the obesity has started after the customer has taken a policy.


Thank you,

Avinash Sonee

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07 Oct, 2020
Mahavir Chopra
These are two different things. The 1-October guidelines are exclusions, wordings standardized, they have nothing to do with underwriting (risk selection) by an Insurance company.
For instance, a policy can cover pre-existing disease like a Cancer from Year 4, but that does not change how insurers select and offer or not offer or charge premiums to people with a history of Cancer. Hope this clarifies.
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07 Oct, 2020
Mahavir Chopra
The wordings, standardization will impact people with insurance policies - existing & new - claims which were earlier not payable for Obesity, Mental Illness (as per the t&c) will now be payable.
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