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Hi, I have Kindey Disease along with Hyper tension? I tried reaching to HDFC Ergo for health insurance.

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23 Feb, 2021 by  Gagan

Hi, I have Kidney Disease along with Hypertension? I tried reaching out to HDFC Ergo for additional health insurance, today have group insurance from my company. The salesperson said that I am high risk and HDFC Ergo doesn't issue a policy to such cases! Are there any companies out there that can be reached out for medical insurance in my case?


I am okay with 3/4 yrs waiting period but otherwise, it should be covered.


1 Answer

02 Mar, 2021
Founder, Beshak

Hello Gagan,


You will have to be persistent.

Anyone who has a chronic disease will face similar challenges in getting a health insurance policy.


  1. It would help if you first tried with a few mainstream insurers like HDFC Ergo, ICICI Lombard, Star Health, even government insurers like New India Assurance, etc. Do not make payments. First, send in your papers and ask these insurers to confirm whether there is a chance of you getting a policy with your medical history.
  2. In case none of these insurers are providing you a plan, you can look for plans that specially cater to people with pre-existing disease - Check plans from Aditya Birla (Health Activ), Care Health (Care Freedom) Plan. Of course, these plans will either be expensive or have a financial limitation - like a copay.
  3. The last resort would be to look at group health insurance plans offered by Government Banks like PNB, Bank of Baroda, etc. These plans have been lenient in the past in their underwriting.

I hope this helps.


Need a favor: I would like to invite you to share your experience of buying your health insurance policy here in this forum - this will really help community members in the future with a similar problem learn from your experience. Simply reply to this thread when you have any updates. 



Founder -

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