back arrow Back

Health Insurance Policy in case of diagnosis of Mayocarditis (heart issue)

reply Share
05 Nov, 2021 by  Nikhil Kataria

Hi, one of my friend's mother aged 56 was diagnosed with heart issue called mayocarditis during admission for treatment of kidney stone. She does not hold any health insurance policy as on date and is looking for one . On inquiry with most of the insurance companies like Care, HDFC Ergo, ICICI, Royal Sundaram and others, they are daying that they wont be able to provide a cover at all. Is there any specific company or specific comprehensive plans which will accept to cover her.

like like
0
Parents-Health-Insurance

1 Answer

Post
07 Nov, 2021

Hi Nikhil,


It will be very difficult to obtain a retail policy for her at least for the next 4-5 years. Post that as well most insurers will not offer her a policy.


Once a person is diagnosed with an illness/disease related to a vital organ or a long term (fatal or not) disease/illness, insurers refrain from offering a retail policy to them, especially after a certain age.


The only solution to get an insurance, is to enrol her in a group policy. Preferably a corporate policy, if it's possible, else a group policy in some bank.


Hope this helps!


Cheers :)

like like
0
icon-comment 0 Comments
icon-reply Reply
Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2021 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to info@beshak.org now 🙂