INSURANCE USERS' COMMUNITY FORUM

Get answers from experts | Share your experiences.


Coverage of treatment of Polycystic kidney disease a genetic disease under Health Insurance.

reply Share
09 Oct, 2020 by Srinivasacharyulu Sribhashyam

Dear Sir. As per the new guidelines applicable from 1-101-2020, It is understood that coverage of genetic diseases cannot be denied by the insurer. I would like a clarification. My son has polycystic kidney disease and when he wanted the coverage of the treatment for it, it was denied earlier by the insurer Is it covered in the new guide lines? If not covered is there any possibility of getting it covered by approaching any agency?

like like
0

1 Answer

Post
10 Oct, 2020
Team Beshak

Hello Mr. Sribashyam,

Here's what is now covered under Health Insurance policies, thanks to the new guidelines.


We are not healthcare specialists, so we won't be able to guide you whether the disease your son has is a genetic disorder or not. It would be helpful if you can check about this with your doctor. If the disease is confirmed as a genetic disorder, then hospitalization for such a disorder should be covered under your health insurance policy.

like like
0
icon-comment 3 Comments
icon-reply Reply
10 Oct, 2020
Srinivasacharyulu Sribhashyam
Thanks for the answer. The treating doctor has confirmed and the denial from the insurance company earlier said that since it is a genetic disorder, it cannot be covered and the company refused to cover the treatment..
like like
0
10 Oct, 2020
Srinivasacharyulu Sribhashyam
In continuation to the above, the letter from Bajaj Allianz dated 20-04-2020 is the letter of denial of the treatment. Will the company say that the existing policy is not covered under the revised rules and still deny the treatment?
like like
0
10 Oct, 2020
Srinivasacharyulu Sribhashyam
In continuation to the above, the letter from Bajaj Allianz dated 20-04-2020 is the letter of denial of the treatment. Will the company say that the existing policy is not covered under the revised rules and still deny the treatment?
like like
0
Discover the best tips for insurance every week!