Health Insurance with exclusions
I was trying to get a 50 lakh worth Health insurance policy for my 56 year old Father, who has some loss of hearing in one ear along with some other illnesses like Slip Disc etc , from Star Health through PolicyBazaar. After all considerations the company is ready to provide health insurance with the caveat that they are not going to cover “Any complications arising out of hearing loss” in the policy . My question is ,since the premium amount is not an issue for me , what kind of risk does this caveat open me to? I mean what can generally be complications of hearing loss ? Should I try some other company ?