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What are the options for parents health insurance with history of BP and Kidney disease(CKD)?

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01 Oct, 2020 by Karthik Mungamuru

I've been tying to get clarity on taking health insurance if the insurer has BP and CKD. some insurer are not ready to issue the policy. Would it change with the new guidelines?


Thanks in advance.

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Parents-Health-Insurance

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01 Oct, 2020
Team Beshak

Hello Karthik,


  1. The changes will improve coverage in health insurance policies. It does not have any impact in how insurers decide to accept a specific case (called underwriting). (The insurers who have declined to give a policy do not have to change their decisions due to this guideline.)
  2. You will have to be persistent and keep trying with multiple insurers. You should also search for a specialized insurance agent who specializes in health insurance (with good track record of managing claims) in your location. You should be able to find one. Such agents are able to navigate you through the right insurance companies who could approve your proposal. Alternatively, you must try Govt Insurers - these companies can look at cases differently.


Hope this helps.


Regards,

Team Beshak



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01 Oct, 2020
Anuj Jindal

Hey Karthik, let me try and suggest way forward to you. Could you please help me with some details:

  1. What is the age of the person for whom insurance has to be taken and their current location?
  2. For how long is this person having BP and CKD history?
  3. Has this person been admitted to hospital in the past (for both minor and major diseases)?
  4. Which insurers have already rejected the proposal? Which year have you applied to them?

Please revert with these details so that I can suggest you solution.

Anuj Jindal

Co-founder

SureClaim

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01 Oct, 2020
Karthik Mungamuru
Thank you for the reply Anuj. 1. Father is 63 & mother is 57 2. BP: Father: 15+ years. Mother: 3+years 3. Father yes: 15years ago, mother 3 years ago 4. Haven't applied but CoverFox suggested proposal is likely to get rejected so no point trying. Thanks for helping out!
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01 Oct, 2020
Anuj Jindal

Thanks Karthik with the details.

I think Coverfox is right in their assessment. With this history, insurers will not consider for insurance.

You should try and build a safety fund for your parents and set aside a certain amount (think of it as a premium) in a deposit, to be used in medical emergencies. That's the best solution in current situation.

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