Date : Feb 13, 2009

Question

DEAR SIRS I WISH TO PURCHASE A MEDICAL INSURANCE / HEALTH INSURANCE COVERAGE FOR SELF AND FAMILY , TOTAL 4 MEMBERS. MY COMPLETED AGE IS 38. I AM A SALARIED EMPLOYEE. IN SEPTEMBER 2008 I WAS DIAGONSED WITH ULCER AND LYMPHNOTES OF TB NEAR D2 , I TOOK TREATMENT FOR 5 MONTHS , AND SUBSEQUENTLY WENT FOR GJ BYPASS IN JANUARY 2009. I HAD A MEDICLIAM POLICY WHICH EXPIRED IN 2006. SINCE THEN HAVE NEVER BOUGHT ONCE. PLEASE GUIDE ME WHAT KIND OF POLICY I SHOULD BUY AND OF WHICH COMPANY , SO THAT I AND MY FAMILY ARE ADEQUATELY COVERED FOR ALL KIND OF ILL NESS AND ANY OF COMPLICATION ARISING OUT OF MY CURRENT OPERATION. AND ALSO LET ME KNOW BY ANY CHANCE IF I CAN ENJOY NO CLAIM BONUS OF MY EARLIER POLICY , AND WHAT ALL POINT ONE MUST HAVE AS INCLUSIONS IN THE POLICY. REGARDS SARAT CHANDAK

Answer

You can not get the no claim bonus from your previous insurance company anymore. Any complication arising out of your operation will be covered only a certain number of years as mentioned in the policy wording. It ranges from 2 to 5 years and more. For details about the same you can visit our health insurance comparator.

In the comparator you can also choose which is the best option available for you and your family.