Senior Citizens Health Insurance Covers In India
Here are Senior Citizens' health insurance tips and general tips to buy health
cover in India Staying with the same insurance company is very important since once you are hospitalised with a disease it will continue to be covered in later years only if you buy the policy from the same insurer. If you shift to another insurance company then at that stage that particular disease will be treated as a pre-existing disease by that company and will not be covered for a few years. Policy renewable up to: It is a known fact that it becomes difficult to get a fresh policy as your age increases just when your need is the highest. Hence the maximum age up to which the policy is renewable, is very important. Premium increases in later years. Insurance companies have different pricing strategies and depending on your age the premium is different. So it is advisable to look at not just current premiums but also future premiums. Permanent and temporary exclusions: Most policies exclude hospitalisation expenses temporarily or permanently for a whole lot of diseases or treatments. This is different for different companies. You should look at the policy workings to get a sense of what is permanently or temporarily excluded. Co-pay and sub-limits: Some companies have sub-limits for different heads (say doctors fees is limited to 25% of the sum assured) which can have an impact of your claim. Some companies require you to partially meet the cost of every treatment (co-pay). Both restrict your claim amount and hence should have an impact on your decision. Coverage of pre-existing disease: Different companies cover pre-existing disease in separate ways. Some will cover it after 2, 3, 4, or 5 years. Also, some put in an additional condition that during these 2, 3, 4, or 5 years there should have been no claim on the policy. Some others also put in a condition during these 2, 3, 4, or 5 years no case or treatment should have been done for the pre-existing condition for it to be covered. This is relevant if you have any pre-existing disease at the time of taking the policy. Individual policies for family members versus family floater we strongly recommend an individual policy for the reasons mentioned in detail on the link Briefly it is because in most cases the so-called lower premium advantage of a family floater is negated once the age of the oldest member reaches 45 years or so. The other big reason is the lack of history for other members when the eldest member reaches the maximum age of renewability or the eldest member expires. In case your claims are denied and you think that the denial is not appropriate, then you can lodge a complaint with the insurance company. In case they don't revert back, you can approach the insurance ombudsman and they will look in to the same. We normally recommend individual policies of at least Rs 3 lakh per family member.Senior Citizens Health Insurance Covers In India
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