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Insurance Available for Parents with Diabetes

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25 Mar, 2022 by  Vijay Kumar

I want to buy a Health Insurance for my parents. My father has diabetes for the last four years.


HDFC Optima Restore and Niva Bupa Reassure seems good option with Optima Restore being comparatively costly.


I would like to know whether these policies are available for people with diabetes.


If yes,

  1. Whether I should buy a family floater plan for my parents or individual policy for both of them?
  2. Will the premium increase for my father for being diabetic?
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Parents-Health-Insurance

1 Answer

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25 Mar, 2022
MBA | 5 years experience
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Dear Vijay,


HdFc Optima Restore for some weird underwriting guideline is not offered to someone with history of Diabeties.

You may evaluate other plans from HDFC. Niva Bupa Reassure has acceptance towards Diabetes.

Depending on blood sugar levels an insurer may apply loading towards Diabetes. The coverage for Diabetes related conditions will be after waiting period as per plan you buy. It could vary from 2 yrs to 4 yrs.


Incase you wish to evaluate plan options suggest you get a Trumatch Health Report from Beshak. You may connect with me if you need assistance with Trumatch Report.


Regards

Rohit Dhingra


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