back arrow Back

Health insurance when reports are very adverse

reply Share
01 Oct, 2020 by  Banagiri Kasturi Rangan

I am 39 year old dragonized with Type 2 diabetes in December 2019. I have started taking medication and the HB1 levels are reducing and currently at 9.1. The level is very high. my physician has indicated the levels will be coming down within normal levels with the changes in lifestyle and medication. Now with this how can I get a Health insurance with the knowledge that PED waiting time would be 48 months? if not what should be my path?

like like

2 Answer

01 Oct, 2020

Hey Kasturi Rangan,

I will try to give you a solution. First, could you please help me with some details:

  1. What is your current location?
  2. Have you even been admitted to hospital in the past (for both minor and major diseases)?

My preliminary assessment is-

  • Given your age, you should not worry too much about the 4 year waiting period for PEDs because you have your entire life ahead of you.
  • You should think about health insurance not just for the existing medical conditions, but for other unknown unanticipated medical emergencies beyond this current problem. I am sure back in November 2019 you never imagined you would be diagnosed with Type 2 diabetes.
  • There are insurance plans in the market which are available to customers with known history of diabetes. Once you share the information I have asked in above 2 questions, I will be able to share my recommendations.

Anuj Jindal



like like
icon-comment 1 Comments
icon-reply Reply
01 Oct, 2020
Banagiri Kasturi Rangan
1. My current location is Bangalore 2. I have not been admitted to hospital in 32 years. I underwent hydrocele related surgery when I was 7 years. Last week I applied for Maxbupa Reassure family cover and my application got rejected. My spouse and child got covered
like like
01 Oct, 2020

Thanks Kasturi Rangan for your response.

Can you share the counter-offer letter from Max to

My suggestion is that try with PSU insurance companies - New India, National, United or Oriental. Let's see how that goes. I still feel you have a chance, but you may have to try several insurers before you get a plan. Don't lose hope, stay on track. Let's continue to study the proposal rejection letter if policy is not offered.

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

Beshak is your source for clear, research-backed information & analysis of insurance plans. Our sole focus is to help you make well-informed decisions on insurance. We don't sell or advertise insurance plans or companies.

facebook icontwitter iconlinkedin icon

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 now 🙂