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Regarding pre-existing disease

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06 Oct, 2023 by  Sushant Haware

I have policy Niva Bupa ReAssure (individual plan) of 10L for my mother. The plan is 2 years old and due to robotic surgery sublimit I am thinking of porting it to Care Insurance. During Niva Bupa policy purchase I had mentioned about her shoulder surgery, cataract as PED. Recently during her annual health check-up she was diagnosed with hypothyroid, borderline sugar (fasting blood glucose) and borderline cholesterol in the month of Jan'23. I have asked them to add it to PED list..

Now when I port to Care Supreme policy, the 2 year continuity benefit of Niva Bupa will be carried over for all the PED's right? or will it be calculated differently based on when that PED was updated/added to previous policy?

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Parents-Health-Insurance

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New PEDs will have to serve their respective waiting periods, for those disclosed already the continuity benefits will be enjoyed.

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