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Increase SI or buy super top up for my father with heart problem

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27 Mar, 2021 by  Govil Bhole

My father has a health insurance policy with HDFC ergo from 2012 of SI of 3L.. but in 2014 he had an heart attack & had an angioplasty. Now in 2021 Feb he turned 64. I want to either increase his SI to min 10L or buy super top but neither HDFC ergo nor other insurance like star is ready to provide it. What options do I have now?

p.S. he's absolutely fit and fine since the operation in 2014

Health Insurance

1 Answer

30 Mar, 2021
We breathe insurance :)

Hello Govil,

Yes, once you have a history of a serious ailment or multiple chronic lifestyle diseases, the chances of you getting a health insurance policy, especially standard best-selling policies are difficult. (This is precisely the reason why we recommend that you should get adequate for yourself as soon as possible)

You should explore policies especially designed for Heart patients - like Care Health Insurance's Care Heart or Star Health's Cardiac Care policy. Such policies can act as extensions to your existing. Ensure you have understood all the financial limitations in the policy - especially Room Rent Limit, limits on surgeries, and Copay well before you signup for the policy. Ensure you buy the highest cover you can afford so that you don't have to depend on your future health conditions to buy/upgrade health insurance.

Hope this is useful.


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