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Health insurance for mother

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21 Apr, 2022 by  ashok T


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.

Health Insurance

1 Answer

21 Apr, 2022
We breathe insurance :)

Hello Ashok,

  1. Insurers have the right to decline proposals based on their underwriting framework. This is despite the fact that they approved a proposal for the exact same declarations in the past. It's entirely their prerogative and they can decide. We cannot do anything about that.
  2. You must try with other insurers. If you need help you can choose a professional advisor from the Beshak community for a free 1-to-1 consultation. Click here to check advisors: Top Verified Financial Advisors | Financial Planning Advisors |
  3. We tend to agree that 5 Lakhs may be a low coverage for your mother in the long term.


Team Beshak

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