Looking for change in Health Insurance
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...
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.
while taking star super surplus gold supertopup for parents
Old PED as above (2017 mentioned):
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?