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Caught meningitis in December 2018. What are my options?

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01 Dec, 2020 by  Umang Galaiya

I caught meningitis in December 2018 and lost vision in my right eye due to Cavernous Sinus Thrombosis. I'm not on any medications anymore and go about my life as before, just fine.


Aditya Birla and they rejected my application. Tata AIG did not get back to me after sending them my discharge reports. I'm looking for a 10L policy for the co-pay and room-rent capping benefits.


What are my options now?

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Health Insurance

1 Answer

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08 Dec, 2020

Hello Umang,


Apologies for the delayed response here.


It is sad that you have not been able to get a health insurance for your needs. This is a common letdown for people once they suffer from a disease.


The only way to get through such a problem is to be persistent. Would recommend you don't give up and go through the following steps one after the other.


  1. Take a target for a month's time and approach multiple private insurance companies through their toll-free, or contact an online web aggregator like Policybazaar or Coverfox.
  2. The alternate route is to try Government Insurance companies - like New India, National, United India or Oriental Insurance through their local offices.
  3. The last resort would be to check with Government sector banks in your area - they have group health insurance plans for their customer base. These plans are generally more liberal in their selection than the open market retail plans above. You have a higher chance with these plans - however you must note that these plans and hence the cover is dependent on the continuous relationship of the insurance company with the bank - hence this should be considered only as a last resort. Check Option 3 in this article: Top Senior Citizen Health Insurance Plans without Medical Test (beshak.org)


Hope this helps. In case you have any follow up questions, please feel to post them here in the forum and we will make sure we respond.


Cheers!

Team Beshak





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