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Permanently Excluded Disease
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11 May, 2022
by Rupee Jain
Hello , I have been diagnosed with Avascular Necrosis Post Covid complications which falls under Permanently Excluded Disease by IRDAI
My question is can i get a health insurance now , I’m ready to wait for 2-3 years which is the waiting period and which company will give me health insurance . Thanks in Advance
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12 May, 2022
Hi,
As stated, if it's a permanently excluded disease, it will not be covered after waiting period also. However you can still buy health insurance cover with exclusion of the above mentioned condition, and stay protected against other medical risks.
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Hi Rupee
As the illness falls under permanent exclusion as specified by IRDA, it'll be difficult for you to apply for any sort of private insurance.
However you can try to get coverage under a corporate insurance which your employer will offer upon employment.
Its best advised to create a emergency corpus for all your future hospitalization needs.