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Need advice for buying acko health insurance

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10 Jul, 2022 by  Subbu

Hi Team,

I was looking to purchase acko 1cr family insurance. But my mother was under going treatment with Rheumatology arthritis and some lungs issue due to Rheumatology arthritis. And my father has sugar and diabetes. But fully recovered, thanks to yoga. And I am perfectly fine. Is it wise decision to move on with acko and 1cr family insurance?

Or any insurance with zero waiting period like acko

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Health Insurance
Parents-Health-Insurance
Purchase

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Hi Subbu,


The ailments defined which are existing or were there in the past needs to be disclosed while buying a health policy. The underwriting decision would decide the coverage possibility. Apart from Acko there are many insurers who have specific policies for ailments like diabetes, cholestrol, bp without waiting periods too.


Regards,

Nisha

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16 Jul, 2022
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Hi Subbu,


There are many options for companies which do not have waiting periods for pre-existing diseases


Do get in touch for details


Komal Jain

Qualified Personal Finance Professional ®

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17 Jul, 2022
CEO, Insurance Samadhan

Dear Subbu

First few suggestions

1. If your parents have pre existing diseases then do not buy a family floater with them .

2. Declare all pre existing diseases of father and mother then buy separate covers for them of Rs 10 lalh each .

3. Do not decide brand on the basis of publicity but visit some good hospitals of your city and check the list of approved insurers . If Acko is there then do consider . All Insurance companies are approved by IRDA and good.


So do a research in your city then decide . Buy three plans

Two plans for parents after all declarations

One for your family .

Best wishes

Shailesh

Insurance Samadhan


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