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Looking for change in Health Insurance
Share 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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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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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?