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What all health options are there for SLE disease patients?

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03 Jan, 2021 by sushant aggarwal

What all health options are there for SLE disease patients? The person has an existing mediclaim policy for ,Rs.2 lakh, the cover amount has been unchanged for 20 years but the premium increases every year a bit. The cover is too inadequate and wants to increase it. The person hasn't made any claim in past 20 years. Now wants to increase cover.


We discussed with Star health for comprehensive plan but they have declined health insurance. 


What all otions are available, please suggest

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04 Jan, 2021
Team Beshak

Hello Sushant,


Here's what we found when we looked up SLE on the internet. Please confirm.

Systemic lupus erythematosus (SLE), is the most common type of lupus. SLE is an autoimmune disease in which the immune system attacks its own tissues, causing widespread inflammation and tissue damage in the affected organs. It can affect the joints, skin, brain, lungs, kidneys, and blood vessels.


From our experience, we know that it will be difficult to get insurance due to the auto-immune disorder.


The options we can suggest are as follows:

  1. You need to be persistent - try all insurers - talk to multiple insurance agents. Take it up as a project. You will find a way.
  2. The other short-cut approach is to reach out to Government Insurance companies in your area and approach the Development Officer or Divisional Officers out there.
  3. Another option is to try looking for banks' policies - where you have your credit card or your bank account - these are places where the rules can be relatively lenient and hence stand a chance.
  4. The last hack we can suggest is to approach a Government bank like PNB, Bank of India - try to apply through them. You will have to open a bank account (I know this is stupid, but it is a hack that has worked for many)


Do write to us if you have any follow up questions. Thank you.


Team Beshak


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