Important health insurance queries
I have a few urgent queries. My parents are insured from National insurance company ltd via different policies(national mediclaim policy), thanks to the agent. My father's policy has been running since the past 18-20 years and he has taken 4-5 claims due to stomach infection in the past 7-8 years. His sum insured is just 1 lacs. Since he has taken claims so as per the company the sum insured cannot be increased now. His age is 62.
My mother's policy was started about 4-5 years back. No claims so far. The sum insured is 2.5 lacs. Her age is 54.
Last year I tried migrating both policies to any other good company which has no room sublimites, no co-payments, less waiting period, no disease wise limits, pre and post hospitalization clause, restoration clause, day care limits basically all or most of them. But I was told by the companies to approach them atleast 3 months before the policy date and that too with the previous 3 insurance copies. The policies are due in August and September. I have the last year and this year's policy copy.
1. Is it possible to port both policies to some new company now? Since I have this year and last year's policy copy so will there be any issues?
2. If not, then can I atleast port them separately? There is no top up or anything like that in National insurance so keeping my father's policy in the same company is a big burden.
3. Can you please recommend some good companies which have features like no room sublimit, no co payment etc. ?
4. If my mother's policy is ported then will she have to go through the waiting period again?
Any other heads up?