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Looking for change in Health Insurance

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07 Feb, 2023 by  Vignesh K

Having this STAR HEALTH medi-insurance plans from 2017:


  • Father - 63 age
  • Mother - 57 age
  • Son - 27 age


SON: Medi classic Insurance Policy (Individual) (3L Basic + 75k Cumu.Bonus)

~ No claims for myself till now.


PARENTS: Family Health Optima Insurance Plan (3L Basic +2.4L Bonus + 75k Recharge benefit)

~ till now only two claims, one in dec 2022 & jan 2023 for my mother..


PED: 


  • Respiratory related (Asthma) for father, from 2020 he has taking medicines for Sugar & BP.
  • Diabetes for mother (taking medicine + insulin)
  • No PED for son..


Is this okay,


i am thinking to take a star super surplus gold supertopup for parents/myself


Or better medi insurance policies available?


I think its risky to make change mainly for my parents...

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Health Insurance
Parents-Health-Insurance

2 Answer

Post
09 Feb, 2023
Vignesh K

while taking star super surplus gold supertopup for parents


Old PED as above (2017 mentioned): 

  • Respiratory related (Asthma) for father, from 2020 he has taking medicines for Sugar & BP.
  • Diabetes for mother (taking medicine + insulin)

New PEDs

Father

Taking medicines for Sugar & BP from 2020

Mother

same Diabetes, but she got admitted 2 times recently

In diagnosis its mentioned


1st time on 28/12/2022 - For ACIDE PEPTIC DISEASE + URINARY TRACT INFECTION + CYSITTIS + sugar


2nd Time on 24/1/2023 - For Acute Gastroenteritis with dehydration, Urinary Tract Infection, electrolyte imbalance (HYPOKALEMIA) & Type 2 ,


Mother dont take medicines for BP but sometimes it comes to 110/70 or 150/80, i have mention BP also?

I have to mention these hospitalization as Per existing diseases ?


also due to hospitalization sugar doctor has suggested to TAKE INSULIN for 1 or 2 months due to more tablets, WILL IT IMPACT GETTING SUPER TOPTUP also have to mention it?

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Getting a new plan has its own challenges post-60 especially if one is a senior citizen, however, there are options available in the market - based on different insurers' risk appetite to accept applications.


What you have posted is quite comprehensive, I suggest you book a free call & fill out the trumatch form once you have booked a call with the advisor which will offer the options that you are looking for along with personalized consult.

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