KEEPING INSURANCE HUMAN
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Super top up for heart

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11 Sep, 2021 by  Ashish Tiwari

My mother is a heart patient and is taking her prescribed medicines regularly. She has a 5 lakh base policy from national insurance and I'm looking for a top up that can supplement her cover for any future claims. Last angioplasty was in 2016(RCA) and before that it was in 2014(LCA), post this there has been no heart related ailments. She had contracted COVID-19 in March 2021 and was administered with Remdesivir and I have got a check up done post that by a cardiologist and he says that she's stable.

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11 Sep, 2021
Ashish Tiwari

Further details age is 52. She has a total cover of 5 lakhs from national and 3 lakhs from united insurance. Recently star rejected her Top up proposal and CARE has accepted a cover with condition of permanent exclusion on her heart.

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11 Sep, 2021

Hi Ashish,


Accept the offer of Care for health insurance with permanent exclusion on heart related claims.


In case of any heart related claim, the cumulative SI of 8 lacs from United & National should be of good support. Recommend two points -


1) Check with United & National if they will give her enhanced Sum Insured. Unlikely but no harm in trying.


2) If your father or anybody else is insured in the National & United policies, buy another insurance cover for them so that the entire 8 lacs is spared for your mother.


I hope this helps.


Asad





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