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Date : Feb 7, 2009

Question

I am interested in health insurance for my parents aged 58 and 63 years old . Presently they do not have any health insurance. My mother suffers from artheritis. I do not have any constraint on premium amount and want the best policies available in the market for them . Please suggest policies I should take single or multiple for the best medical cover in case of an medical emergency and also to cover regular treatment expenses for artheritis at hostpitals. I want that hospital expenses upto 10 Lacs per year per individual are covered by multiple policies looking at high emergency expenses at hospitals these days.Another criteria is cashless facility in Delhi hospitals and easiness of claim filing and reimbursement in emergency situations. Also are their any policies that cover treatment/medicines that does not require hospitalization. Looking forward to your response and guidance in this matter.

Answer

Since your mother already has a pre existing disease, it will not get covered under any mediclaim policy from the first year it self. Every mediclaim policy has a pre existing clause which says that they will cover the pre existing disease only after a period of some years. This may range from 2 to 5 years. For details of the same please visit our health insurance comparator.

You will also get the options in health insurance available for both you parents in the same comparator.

 

 

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