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