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Date : Mar 23, 2009

Question

i have read about caveats in health insurance policies regarding the coverage of existing illness. I am 30 years old. My question is if i am currently suffering from essential hypertension and god-forbid if i am hospitlazied because of a stroke or heart-attack later, would the policy cover the expenses or the treatment costs incurred before and after the condition?

Answer

In case you buy a policy today you will not be covered for any expenses arising out of a illness you already have at the time of buying the policy. It will only be covered after certain period of time. The details of the same can be viewed in our health insurance comparator. Please also read the policy wording very carefully to understand it better.

To the best of our knowledge, New India Assurance mediclaim policy will cover you for these diseases on payment of extra premium but only after 2 years and that also to an extent of 50 per cent for the 3rd year which will increase to 100 per cent from 5th year onwards.

 

 

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