I want a policy for my family and not for me. Is that possible?
Yes, it is possible. You will be just a primary applicant and not the insured.
Is a medical check-up mandatory for buying the policy?
Yes, it is a mandatory for individuals or family members who are more than a certain age (usually 45, varies from company to company) to submit medical test report depending on the company regulations.
Do I need to go for medical tests if I am above the age 55 years?
Yes, Health Insurance for those above the age of 55 years, require medical tests. Some insurance companies ask for medical check up if you are above the age of 45.
Who will take care of the cost of the medical check-up?
You are expected to pay the cost for the medical check-up to get started or continue your coverage.
What does pre-existing disease stand for?
Pre-existing disease stands for any disease you or your family members already have at the time of applying for the policy for the first time. E.g. Hypertension, Diabetes etc.
Are the pre-existing diseases covered in the health insurance plan?
Most insurers do cover pre-existing diseases after a few years of insurance coverage. While it varies from company to company, pre-existing condition coverage is often covered from 5th renewal onwards provided you renew the policy with the same insurer.
Is there a need to disclose my blood pressure or diabetes problems?
Yes, it is necessary to disclose your existing health problems before buying policy. Since the insurers are not liable to any of the alteration of facts. At the time of buying policy one must know the diseases and the treatments he/she is going through.
How do you consider a disease as pre-existing?
At the time of filling an application for policy you have to disclose all the diseases for which you are currently undergoing treatment. The insurers refer to such health issues as pre-existing illnesses.
Is there a provision for renewal after crossing 60 years? If yes, how long can I?
Yes, there is a provision for renewal after crossing 60 years. You can renew up to the age of 80 depending upon the insurer’s terms.
Does maternity expenses covered under the policy?
No, pregnancy and pregnancy related hospitalization expenses are not covered under the policy.
