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Urgent and Important query on a Senior Citizens Health Insurance Policy
We have taken a health insurance policy with United India Insurance for my Dad (aged 73) atleast 12 to 15 years back with basic coverage of Rs 5,00,000. We have another Top up policy on this for Rs 15,00,000 which can be used either by my Dad or Mom as and when required. We have never had to claim as he has been healthy all these years.
My Dad has been critically ill for approx 3 months now and has been in the ICU and on Ventilator for nearly 80 days now. He is slowly but steadily recovering. The hospital bill has crossed Rs 42,00,000 during this period and counting. The insurance company has said that we can claim only after my Dad has been discharged from the hospital. Hence, we cannot claim insurance now. I would like to know if this is correct ?
His insurance policy is now coming up for renewal in another 3 weeks and I wanted guidance from experts on
Should we (or) Can we claim under the current year's insurance so that we get another (upto) Rs 20,00,000 limit in the next insurance year
not claim this year and whether it is possible to increase the insurance coverage for Dad to say Rs 50,00,000 or more and claim only once in the next insurance year ?
Your correct and accurate guidance in this matter will be highly appreciated 🙏
Thanks in advance