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Pre exixting disease diagnosed 3 yrs back

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10 May, 2021 by  Sarthak Vyas

My brother was diagnosed with pancreatitis in 2016-2017. Now every policy provider is denying issuing new policy. Only star health insurance is now ready to issue a new policy with a clause that it will not be covered for 4 years.

Is it safe to go ahead? Or there is a catch ?

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Here, if Star health insurance is offering the cover, they will be giving it in writing under pre existing diseases.

If they are giving policy with 4 years PED, I think you should go for it as most of the other

Insurers will not be able to offer him cover.

Just check the policy document after policy issuance properly for PED coverage and if you find any gap, there is a Freelook period of 15 days.

Nothing to lose here.

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11 May, 2021
CEO, Insurance Samadhan

Dear Sarthak

I agree with advise given by Ms Gurleen .

Take it if Star is giving health cover with 4 year waiting .

There is no catch in it . If you have declared all facts and Star has accepted case . Great, go ahead

Ask as many question as you can from Star team .

It will give you clarifications.


Insurance Samadhan

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