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Date : Feb 8, 2009

Question

i am 54 years of age.long back there was an accident on my lg.two days back it ahs found that there need an joint replacement on my kn.now i want to do a such a mdiclaim or halth insuaranc where i can get th covrag.please rply.

Answer

To the best of our knowledge, this would not be covered under any mediclaim policy in the first year itself. This is a case of pre existing due to an accident and will be covered only after a certain waiting period. This waiting period depends upon company to company and ranges from 2 years to 5 years and more. You can get coverage for the same only after this waiting period. Details of the same is available on our heath insurance comparator.

Please inform the insurance company both at the time of making the claim and at the time of getting operated to avoid any problem at the time of claim.

 

 

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