Health insurance for Diabetic patient
I applied for family floater for Max Bupa Reassure. However, underwriters have declined cover for my wife who is diabetic patient & is on regular medication. (We are family of four, my age 53 years, wife's age 49 years, & kids aged 21 years & 15 years) My questions are:
1) should I try for family floater with other insurer (HDFC Ergo optima secure)? If the result is almost certain to be rejection for my wife due to PED, I would not like to waste everyone's time.
2) In such case, whether HDFC Ergo's product for diabetic would be good for my wife? I could not find any review of this product & it is not clear from policy wording whether there is any room rent cap in this product or whether premium is kept very high to compensate for the risk of PED. If anyone has reviewed this product, please advise.
3) What would be best approach for addressing this situation?
Appreciate help & guidance.