Pre-Existing Diseases in Health Insurance | Frequently Asked Questions on PED | Gurleen Kaur Tikku

We can't predict a future illness, but there’s one thing we can be certain of - someone with a pre-existing disease has a higher chance of falling sick, and needing hospitalisation sometime in the future.
Hence, insurance companies think twice before issuing a health insurance cover to someone with pre-existing disease.
In this Video, we will discuss 10 Most Asked Questions on Pre-Existing Diseases.
WATCH THE VIDEO FOR MORE DETAILS :)
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health insurance , health insurance in India, health insurance 2022 , pre-existing diseases , pre-existing disease in health insurance , health insurance coverage , health insurance agent , health insurance policy , health insurance tips , personal finance , finance , financial planning , financial advisor , gurleen kaur tikku , health insurance terms & conditions , most asked questions , best health insurance , new health insurance policy, hareepatti
#healthinsurance #preexistingdiseases #gurleenkaurtikku
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Disclaimer : Information presented in this video is for educational purpose only. It may not necessarily be taken as financial, legal or any other type of advice. It is not as per individual needs, objectives or financial situation of any particular person.The video is based on 15 years of experience of Financial industry.
It is based on researches from various books, internet etc and may include opinions of one or more persons who may or may not be the part of Hareepatti.
Gurleen Kaur Tikku or any other team member of Hareepatti will not hold be held responsible as this is not to be considered as personal finance advise.The video does not mean to hurt anyone’s sentiments or spread rumours of any sorts.Viewers should do their own due diligence before taking any action based on the video.
Viewers discretion is advised.

[@deltawatts]

A very good explanation which every person should see who wants a health insurance. with the help of this video i applied for a health insurance and gave honest declaration to ICICI. they rejected my insurance application but i am happy that i choose the right method of declaring my PED to the insurance company rather than not disclosing it and suffering at time of emergency.

[@GurleenKaurTikku]

Hi, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you 😊

[@TanujbabuTanuj90000]

I did this with Acko, they denied issuance of the policy😅

[@vicky_uk_05]

Is PED disclosure period 2 years prior from the policy purchase date? There has to be some cap in the time period as many people won't remember a disease in their childhood or even 10-15 years ago.

[@Karnsharma2035]

Wonderful, great explanation !

[@GurleenKaurTikku]

Thank you so much jee , keep watching !

[@Manasuna_manasai]

Madam, congenital diseases(not PED) will have waiting period as per irdai?

[@sanjibmuscat]

Thank You..Helpful video

[@GurleenKaurTikku]

Glad it helped ! Keep Watching 😊

[@nishantsinghania_27]

U r too good mam in explaining all the mattress & points very well..bhagwan kare aap khub tarakki karo..coz aap free mind se whole heartedly help kar rhe ho..warna aaj ke zamane main sab chor hai😂

[@GurleenKaurTikku]

Thank you so much jee, keep watching & also subscribe. This will help us grow !

[@hanumanthusrinivasrao3333]

I appreciate your knowledge sharing, but during the period of policy taking, there has not been any diagnosis of pre existing diseases or hospitalizations, but there may be slow growing illnesses, hypertension, blood pressure, etc. As when we applied for the policy, we didn't get a health checkup before we were issued, so we didn't know how our health was at that time, but after two years some of them were discovered through annual health checks, so will the policy be rejected?

[@peddaboinatribhuvan7749]

My aunt is having thyroid problem and recently she is diagnised with fatty liver early stage, want to take an health insurance policy immediately which covers if any surgical procedures needed in emergency , regular doctor visits, and no waitint period, because as it can surprise us any time,So need your suggestion on which health insurance policy to take.

[@sagarkorde9952]

Ma'am, congenital diseases coverd hai kya? PDA in heart

[@98989zxc]

Ma'am my father had been diagnosed with a voice disorder called Spasmodic Dysphonia in 1997 , for which there was no medication , just some voice exercises/therapy was taken. And currently he is under no treatment. Can I get a health insurance for him , specefically a Super top up plan as I already have a base plan for him.

[@anuragsinghakash]

Thankyou it was helpful

[@GurleenKaurTikku]

Glad it helped , keep watching !

[@sowmyaglory3255]

Mam if I was diagnosed with disease in waiting period do I need inform the company and is it best to take pre check up and if so is there any good plan for ped

[@sanjivmane861]

suppose I have ped just like diabetes and bp and I got admitted for typhoid and and doctor says due diabetes we have we have take major precaution then whatbwill happened to claim

[@sadachaari5875]

Hello mam, I was diagnosed with moderate aortic regurgitation last year. Dr is saying surgery might be needed after 5-10 years bit not cumpolsurily and it will cost 26-30 lakhs. Will it be covered under amy insurance and dr said ki nhi bhi btaayoge to chalegs but insuramce karalo. So do I meed to tell or not. Please reply I am worried. I am just 29 years old now and they have started medications. It was just a regular health checkp. They did multiple tests saying its anxiety but at last in echo they found it.

[@divyanshujindal4584]

Very helpful video

[@GurleenKaurTikku]

Glad you found the video helpful :) Keep Watching !!

[@vivaanagarwal126]

Aapki video bahut knowledgeable hai. Aap bahut acche video banati hai.

[@GurleenKaurTikku]

Thanks a lot !! Keep Watching :)

[@MrBibinmohan]

Hello Mam, I took star health insurance for my mother and This is 2nd year. I haven’t mentioned ped but she use tablet for minor bp and cholesterol as guided by doc. Should I update this to the insurance company. They ped waiting ends after 3 years right can it be used to reject claims

[@aerojobs6364]

Vlogs are really very genuine

[@GurleenKaurTikku]

Thank you jee !

[@pankukumar5662]

hi my father is a stroke patient can he get health insurance if yes please give me a suggestion i will be forever grateful to you.

[@sumanghosh7243]

Mam I am having beta thalassemia trait which is broadly asymptomatic. I applied for the star health insurance youngstar plan with the disclosure. They asked me some additional tests after submitting the test reports they rejected the policy. However, the values are quite normal as per the doctors.

[@TheGeoPoliticsShow]

In Star Health Red carpet, if pre medical screening is not required, who determines PEDs in an individual? Also, is there any mention of what PEDs a person have in his/her policy profile/documents?

[@GurleenKaurTikku]

It is as per disclosure by the policyholder. Yes, PEDs are mentioned in the policy copy

[@smitadasofficial]

My mother is having some times high bp not regularly and taking the daily medicines. Can we inform this to our insurance company before taking the insurance.

[@dineshsharma4753]

Mam I m suffering from transverse mylits so kya muje policy mil sakti hai please reply....

[@sarvan12345]

I have a pre decease, how do I get treated via insurance policy properly.... Is it possible

[@deepakshinde2653]

Mam meri ent tympoplasty hue hai 8 year ago maine policy ke liye apply kiya hai aur pre diesease propasl me menstion kiya hai policy company ne approval ke liye bheja hai kya mujhe apporval mil sakta hai..?

[@kanchiparmar1276]

Please cover on restoration & recharge.

[@nileshptkr250]

If waiting period is 3 years 2 years does it cover current existing disease

[@PANKAJRAUTEngineer]

I've a corporate policy. Hip dislocation surgery has been done of my daughter, during procedure doctor installed the plate with her leg bone. My question is Would Removal of femur plating covered in insurance policy? Could i claim for Removal of femur plating? If not, is there any insurance policy which cover this?

[@harshkabra]

Can you please make a video on the changes on optima restore and whether it is better now vis a vis optima secure.

[@GurleenKaurTikku]

Sure, will make once all the details are out

[@chandugangji8207]

Namaste madam my daughter name Radhika is suffering from hydrocephalus. 2021 mey iss ka operation hua aab yek dam fine hai. Iss key liye health insurance policy ley na chahathahuu. Aap khown sa insurance policy sujjest karengee please

[@akroy9050]

Thanks madam for nice explanation . As per new PED guidelines of IRDAI , it is stated that any diseaae which is developed within 90 days of taking a policy is also a PED. This is mentioned in National Insurance prospectus . Then is it applicable for all insurance providers.

[@GurleenKaurTikku]

Sir, The same has been revoked by IRDAI in february 2020 and it will no longer be considered as PED

[@GurleenKaurTikku]

Also, sharing reference article for the same - www.livemint.com/money/personal-finance/irdai-modifies-rules-for-pre-existing-diseases-11581654963620.html

[@MR-dk8bt]

Hi, could you please help. My mother s claim rejected due to P.E.D. Non disclosure. Now the catch is agent asked about ped while i ported my policy from oriental to star health. I clarified to agent that there was a stroke to my mother in 2016 and she herself counted years months and said that since it has crossed 48 month(actual 55 months) before this so it's not considered P.E.D. I Only got 2 page pdf WhatsApp in the name of policy. Now they are rejecting my claim on the same basis.. In my orev oriental policy since 2018 it had waiting period of 2 years so p.e.d. column was blank in the same..pls mind it was neither no nor yes...it's blank. I ported this Jan from oriental to star now star denying the case of bcs for my mother. Can I do something here.?

[@s....982]

@@MR-dk8bt ...it's your fault ...you should declare your health condition ...

[@MR-dk8bt]

@@s....982 I did.but agent didn't disclosed it infact she herself said it's not counted as more than 4 years have crossed.

[@debojyotinath6400]

I have piles issue .. but PED me options nehi hy uska.. kya kade????

[@manojd2067]

Madam,,i have taken optima restore policy last year but didn't mention about thyroid as ped of my father so if I intimate them regarding this then the waiting period for this will be again 3 years or already one year completed so now only 2 years?

[@GurleenKaurTikku]

It will depend on the insurance company, you can email them about the same.

[@dinithkn7865]

I met with an accident and had shoulder injury (took ayurvedic treatment and not cured) 3 months ago, i took insurance after that accident. If i consult doctor again and go for treatment will that be considered as a PED.??

[@debabratakarmakar9078]

In general how much is the loading amount. Recent I had purchased a health insurance policy from hdfc ergo but during purchase I forgot to mention about the pre existing allergy Asthma disease. So they charged a loading but didn't disclose any amount. They informed me if I accept only then they can tell the amount otherwise policy will be cancelled and refunded. So my question in this regard: 1) in general approx how much loading they can charge ? And have i right to know the amount before accepting!? 2) in case of my non acceptance how much amount will i get refunded? ( 2 month only from purchase and I update them about my pre existing disease within one month via mail).

[@koushalsureka1379]

Hi Gurleen, I wanted to know can you please suggest me a few Health Insurance Policy options which is having lesser waiting period for person suffering from Asthama

[@paramtomar9775]

ICICI LOMBARD health policy from ICICI BANK (HS360) this is bank policy will be issued by bank only also it has waiting period of 30 days for disease and 90 days waiting for critical illness

[@vaibhavjuneja6575]

Mam is the moratorium valid for ported policies as well ? And also discuss the sum assured increasing feature as per the inflation in policies.

[@GurleenKaurTikku]

Please get in touch with us on WhatsApp/Call at 9650706699 🙂

[@sunilkulkarni9656]

Moratorium is not valid in case of ported policies. Case to case it may very

[@KrishnaRac]

Hello.. I was diagnosed acute pancreatitis in 2015. Currently I am having gallbladder stone. So I haven't disclosed acute pancreatitis. Do I need to inform, I have purchased the insurance on Friday. Pl suggest

[@GurleenKaurTikku]

Yes, it is a material information and should be disclosed immediately

[@muhammedramseeq2833]

For my father do the angioplasty before 5 years I need to disclose it as pre existing disease?..I seen it in hdfc policy wording that preexisting condition is the condition diagnosed by the physician within 48 months

[@GurleenKaurTikku]

Yes, it needs to be disclosed

[@Himanshuluckyno11]

The problem is that if we disclose PED and get admitted before the waiting period then our diseases are associated with PED which leads to claim rejection..

[@2712003]

thanks mam good explaination. could i get my claim for Heart surgery if my family history diseased from same.

[@GurleenKaurTikku]

Thank you , keep watching !

[@akshaybhosle86]

Hello madam I have icici lombard complete health insurance plan last year and this is 3rd year begin so in this plan cover all surgary and other disease?

[@sunilkulkarni9656]

Yes .now all daycare surgeries like cataract, hernia, gall bladder, kidney stone etc will be covered which normally have 2 years waiting period.

[@astepforward9142]

I am a post kidney transplant patient and undergone transplant 7 years back . Can I eligible for health insurance???

[@RohitSharma-uw7mo]

Ma'am can you suggest best health insurance policy covering Epilepsy as a PED? Thank you!

[@arup5343]

Visit NIMHANS, Bangalore

[@parthaprotimdas1728]

If i have ckd will get ?? Any insuranace

[@meghachhabra7145]

Hi, Ma'am Please let me know whether Star Health Comprehensive plan cover pre diseases after only 1 year if we pay 50%more premium?

[@GurleenKaurTikku]

Yes, PED buyback option is available by paying extra premium

[@sunilkulkarni9656]

Yes ,provided your medical history is accepted by star .if ped is not accepted ,your extra premium will be refunded

[@kalyanmishra6650]

Mam I have declared my DM, BP & Accident fractures as PED in Feb 2020 & got the policy , I renewed my policy for fourth year in 2024 , is my PED waiting period will be over now?

[@GauravSharma-zx6ih]

Great information mam, subscribed your channel. Mam I bought HDFC Ergo silver plan in Jun 2020 (no PED, I was healthy enough) now in August 2022 I'm diagnosed with CKD, High blood pressure and Dr. said I will need dialysis in few months. *Will HDfc Ergo settle my claim for Dialysis expenses ? Or they will reject ?*

[@GurleenKaurTikku]

Yes, they should cover this

[@its_AnimeLover]

I have purchased star comprehensive insurance policy and it got rejected after disclosing my medical condition. They mentioned due to RA positive they can't issue the policy.

[@its_AnimeLover]

If we can't buy the health insurance for any pre existing conditions then what is the meaning of selling health insurance policy in first place?

[@prasannasawant7771]

Hi Ma’am , What about Down syndrome person , is he considered under pre existing disease , As I had done policy of my sister who is DS , but I didn’t declared it thinking it’s not a disease as it is issue since birth ?

[@educationpoint6552]

Mam, good morning, I took a health policy before 8 months and the waiting period of pre-existing diseases is one year but I didn't disclosed my pre-existing condition even I got operated for laparotomy, what I should do, plz guide me .

[@GurleenKaurTikku]

You should immediately declare the PED, the decision will be as per underwriting team on your policy.

[@sumanrajbhar331]

Hey maam, one of my relative has undergone through piles surgery recently for 1st stage and doctor has consulted that come for 2nd stage surgery after 6 months. So is there any policy which provides their service for mediclaim after going for 2nd stage surgery?

[@GurleenKaurTikku]

No, if he buys policy now, he will have to serve waiting period for pre existing diseases which may be 2 or 3 years

[@sumanrajbhar331]

@@GurleenKaurTikku Thank you ma'am for reply

[@pradeeppatel2049]

Is there IRDA guidelines on definition of PED duration? Eg. A surgery (minor/major) happened 10 yrs back qualifies as PED even today? If course if someone still has the issue is PED, that's not the question though

[@GurleenKaurTikku]

Any medical history prior to buying the policy will qualify as PED

[@chetankirtane9192]

In case of pre-existing disease having waiting period, can I get atleast partial claim amount as reimbursement

[@GurleenKaurTikku]

No, it will be covered after the prescribed waiting period

[@heavyworld2972]

Hello ma'am, I had a knee surgery (accidental fracture) in January 2019 and fitted plate and screw which is still present in my knee. In August 2019 I bought health insurance from srar health and included previous surgery as pre existing disease. can I get benefit of insurance when pre installed plate and screw will remove by surgery after the waiting period over. Policy waiting period will complete in August 2023. Please reply . 🙏🙏

[@s....982]

Yes ... definitely...you will get claim ....if PED accepted then sure you will get your claim for plate rema able

[@heavyworld2972]

@@s....982 That surgery is clearly mentioned in policy documents as PED by insurer.

[@tusharrathod5519]

mam mera 12 year pehle spinelcode ka operation kiya huva hai to agar may policy leta huto future may mujko benefit mil sakte hai??? please reply mam

[@GurleenKaurTikku]

Tushar jee, you can try applying, policy will be issued as per underwriting guidelines

[@kobitaguru]

Ulcerative colitis diseases kay liye koi insurance hay please help me

[@abhijeetwani7736]

Last year june 2021 I took hdfc ergo optima restore mediclaim policy for my mother age 54 in Feb 2022 she detect with high blood pressure and started with medicine so at the time of renewal should I inform hdfc ergo about blood pressure medicine???

[@GurleenKaurTikku]

Abhijeet jee, it is not a PED in this case and not necessary to disclose

[@RajuSingh-gm9kj]

Mam I bought niva bupa reassure police in July this year I wear specs for 8 years I don't mention it I want to do contura vision lesik surgery and I am ready for waiting period but can you tell me it's necessary to disclose this or not

[@GurleenKaurTikku]

It will not be covered in any policy

[@shubhranilbhowmick1548]

Recently i have renewed my hdfc optima secure health insurance for another 1 year. New renewal Policy will be effective from 13th January,2023.I started this insurance from 13th jan 2022. While renewal i had no option to disclose a disease(DYSLIPIDEMIA) which has detected recently. As there was no option for this i paid the renewal premium and policy is renewed. Is dyslipidemia will be considered as PRE EXISTING DISEASE for my renewed policy year as i knew about the disease while renewal?

[@GurleenKaurTikku]

No, it will not be counted as PED

[@Sadik616]

Madam pregnancy after delivery also pre existing ke niche ayega kya ??????

[@tejinderkumar2286]

Thanks g

[@GurleenKaurTikku]

Welcome & Keep watching !

[@chauhans183]

Mam need your reply.... umbilical hernia is covered under health policy. My policy is 18 months old. We know about hernia yesterday.

[@GurleenKaurTikku]

Usually 2 years waiting period hota hai, apni policy me check kar len

[@prashantharne2735]

mam, i need suggestion, mene mediclaim try kia to almost sab reject kiye he.. pulmonary embolism with dvt nad ivc filter installed medicine chalu he. is wajah se nai de rahe. apake kuch suggest karege?

[@GurleenKaurTikku]

Can try with care health insurance for their care freedom plan as unki underwriting thodi lenient hai

[@chauhan1505]

Madam, I had Niva Bupa policy since 2012. Unfortunately, I could not renew it this year. (I should have done it by April 15.) Now the policy is lapsed. I have had a stent placement un 2021 and was diagnosed with CKD Diabetic Nephropathy stage 2. I would like to know whether I have a chance to get a new policy.

[@GurleenKaurTikku]

Pramod jee, chances are low.

[@s....982]

Ab pta chal rha hoga policy kyu lapse kiya ….unfortunately khuch v nhi hota he …uss samay jrurat thaa nhi ….ab jrurat he …..premium increase hone ke karan hi apne renew nhi kra ya hoga…..ab koi v company policy nhi dega ….nova bupa to khush ho rha hoga …uska paisa Bach gya…..

[@vishalpar22]

Hdfc ergo said that they can provide floater health suraksha policy to my father(56 age-healthy) & mother age 52, with diabetes and thyroid, since 7 plus years with minimum medication dosage, but they are denying to give optima secure or restore, insurance agent of hdfc on phone saying that they don’t give any optima policy to sugar patients. The medical team will deny it. Is this true with PED we can apply and get approval for only basic insurance policies? Please guide, thanks.

[@GurleenKaurTikku]

Optima Restore and secure are not offered in case of diabetes as PED as per their underwriting guidelines.

[@vishalpar22]

@@GurleenKaurTikku Okay, thank you for clearing the doubt. :)

[@azhar0406]

Madam my claim request got denied because of the ped which I don't know. this year January after diagnosed with doctor only I come to know. My treating doctor also gave a written statement for reconsideration which stated I didn't aware the ped. but even though they denied the claim. What should I do now? I took a policy on march 2021 and ped waiting period is 36 months. They told me to wait for 36 months my operation supposed to be happened on yesterday. I am worrying so bad, please help me out

[@GauravSharma-zx6ih]

What problem you have?

[@dharmeshrathod9535]

Hello madam.. I am from Mumbai.. I like to kno. Pre existing disease.. just two days before one of my family member get serious sleep disc problem and doctor suggested to operate and it is necessary to do .. is it possible to buy policy and claim it ? .. please advise..

[@GurleenKaurTikku]

Please contact your insurance agent as we need more details to give a solution. You can connect with the insurance company for the same as well as they would be able to provide more clarification.

[@PzZulqar]

Very confused about this Can someone who is in otherwise good health but has obstructive sleep apnea (mild) buy health insurance? If yes, which policy to consider

[@GurleenKaurTikku]

Please get in touch with us on WhatsApp/Call at 9650706699 or you can fill up this form & our team can connect with you directly. FORM LINK : hareepatti.com/contact-us/ Thanks

[@sunilkulkarni9656]

One must have health insurance, period.in case of having preexisting diseases, recommend to apply for health insurance and let the Co take the decision

[@xyza1950]

Hello ma'am , Chronic pancreatitis (from 8 years) mein policy ka claim mil sakta hain?? plz bataiye 🙏🙏

[@GurleenKaurTikku]

Not possible

[@raxitdoshi4645]

Hello i want to know that if person is taking medicine of hypertension and diabetes and its going normal but if something unusal happens related to this person can able to grt claim or not

[@GurleenKaurTikku]

It should be disclosed to the insurance company at the time of buying the policy

[@ankurpatwari3775]

Hello Ma’am, my parents have aditya birla health insurance and it is 2 years old. Recently my father has been diagnosed with high bp and sugar, so if i disclose it right now, will they levy the waiting period?

[@GurleenKaurTikku]

No, if it was not a pre existing disease, you do not need to inform insurance company

[@harshdhakan5350]

Hello Mam, My Parents bought Bank of India's Star Health policy 2 years ago.. at that time my father does not mentioned my mother's PED. ..sowhat happened now? I want to disclose it with insurance company... Can I mail them about it? There was any problem? Pls help

[@GurleenKaurTikku]

Yes, please email them

[@chandankumar-fn4ru]

Mam Maine apni ma ka policy liya 1 Jan 2021 me and 10 din pahle jb janch karwaya to CKD ka pata chala and cataract v kya claim m koi dikkat ayegi ....already PEd mentioned for high BP and diabetes

[@paramtomar9775]

Le sakte ho treatment bcoz already waiting period to hogya hoga apka 2 yrs ka

[@vinayakjadhav3057]

Hi mam, need your suggestions its quite Arjunt, I have Aditya Birla health insurance recently 5-6 months back my father had minor parlise attack after that there no effect on body will i be able to continue with existing health insurance ? or i can buy new health insurance with paralise as a PED Please help for the same waiting for your reply...

[@GurleenKaurTikku]

If it got diagnosed in between , it is not a PED. You can continue with existing policy

[@vinayakjadhav3057]

@@GurleenKaurTikku thanks mam

[@vishwanathbhat4190]

Mam,my father diagnosed with kidney stone 2 months back.and as my corporate insurance waiting period gets over in April 1st.so i am going to perform surgery in April...will it be covered as it diagnosed earlier but he is undergoing surgery after waiting period gets over?

[@paramtomar9775]

Yes corporate policy covers it , also when you have served waiting period u r eligible for treatment

[@MowneshKMNagu]

Hi mam, My father is CKD patient, we will do weekly dialysis. Can u suggest any pre existing health insurance.

[@GurleenKaurTikku]

any health insurance Policy is not possible in case of CKD

[@ImdebD]

Ma'am Can I get any medical insurance if I have moderate chronic crohn's disease?

[@GurleenKaurTikku]

Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you !

[@anmolsiyal9393]

Mam does Manipal Signa give cover on pre existing diseases????? I am an advisor of same company but I want knowledge whether it will give or not ???

[@GurleenKaurTikku]

You can check our detailed videos on ManipalCigna Health Insurance. They are available on our Channel .

[@tejinderbatth4675]

thanks mam, please suggest if in my policy waiting period for PED is 3 years. I purchased policy 3 years ago and had not disclosed any PED. And 3 years are passed now wheather from now onwards PED will be covered if found at time of any treatment.

[@GurleenKaurTikku]

Any undisclosed PED is not automatically covered after waiting period of 3 years, your claim can be rejected on grounds of non disclosure in future

[@aquibchishti8503]

As per insurance act 45 Insurance company cannot reject the claim after 3 continuous years of polocy on grounds of non declaration of ped

[@vijaypusalkar556]

I had Brain Tumor Surgery on May 2020, will i get health policy. If yes which policy best for me?

[@GurleenKaurTikku]

Policy will not be possible

[@DhirajJankar-lv7jn]

My mom had a minor brain stroke..star , icici,care did not allowed to purchase fresh policy stating it as a critical illness. niva bupa saying they can issue policy considering it as a PED so once they issue policy later at any stage can i port to other companies as per irdai norms still they can reject porting stating they do not entertain porting new customers with brain stroke/ critical PED

[@GurleenKaurTikku]

Portability for any policy is subject to the insurance company's medical underwriting team. It may / may not be accepted in portability by a new company

[@munusumu-ne8cc]

Hello Mam, I bought star health assurance two months back for me and my mother. At that time my mother had no ped. But today my mother got a health check up due to slight abdomen pain and got diagnosed with gall stones and might require operation. Will it be covered under the insurance or will be considered ped? Will be helpful if you reply

[@GurleenKaurTikku]

It will not be counted as PED as it got diagnosed after buying the policy but will not be covered for treatment as it comes under slow growing illnesses waiting period of 2 years

[@zs7450]

In niva bupa health insurance, if someone was diagnosed with chronic illness after taking the policy then the waiting period of 2 years is counted from the day the doctor confirms that it is a chronic illness or the policy commencement date.? Kindly clarify 🙏

[@anupamhalder475]

policy commencement date @@zs7450

[@sevakgurubaxani98]

If someone was suffering from hyperthyroidism but is got cured 2months before so what is it's effect on premium of term insurance ? Is it necessary to inform to the company even though it is cured a couple of months and stopped medication.

[@GurleenKaurTikku]

Yes, one should disclose the information to insurance company

[@pranjalsharma3]

Maine 2023 me policy li or policy lene ke baad mujhe kisi disease ke karan admit hona pada uska claim bhi approve ho gya ab 2024 me kisi or company me policy port karta hu to vah pre existing disease count hoygo ya nhi?

[@rushabhsalunke9243]

I am patient of Migraine & Pre-Existing Diseases 36 Months noted in my Care Health Policy. Then I confused what exactly means "Pre-Existing Diseases 36 Months"?

[@GurleenKaurTikku]

If it is mentioned under pre existing diseases, it will be covered after 36 months

[@nishantrajsindhu4089]

Can you provide the details that if i purchase a insurance than how many medical tests has to be done and how many rupees company send for the tests???

[@GurleenKaurTikku]

Test reports are on the basis of age and sum assured opted You don't have to pay for the same, it is paid by insurance company.

[@tarunmodi3321]

MAM what pancreatitis is slow growing diseases

[@anujbansal1990]

I have purchased a health policy and after purchasing I took claim for heart stunts in 2014-15 and no claim after that till now .Now I wish to port the policy . please guide kya ab port karne par meri sab disease cover hongi inclusive heart

[@s....982]

45 din phle ….port start krna …..proposal form me acche se disclose krna …if ho gya to thik nhi to usi company ke sath rho …..Bina disclose kiye port mat krna

[@ankan7193]

Mam mere bachpan mae dengue aur diarrhoea ke chalte 5 bar hospitalized hona parha tha...And my old insurer paid the insurance claimed..But now I had purchased a new policy (not ported). Should I mention about this to the new company?

[@GurleenKaurTikku]

Yes, you should

[@nikitaagarwal6285]

My father had stroke 4 years back which recovered fully ...he is currently on secondary prophylatic therapy for it...will he be not able to get policy

[@GurleenKaurTikku]

Looks difficult

[@yashgupta2678]

Mam merko genetic disorder hai ( MEN 1 syndrome ) disease so there is any plan to cover me please reply

[@GurleenKaurTikku]

Yash, policy looks tough here, you can try with care health / star health once

[@santoshkamble7575]

I Mam My Mam Having Hypothyroidism since I have port the policy from New India to Care Health tell me we covered the same hence they added in policy document which mentioned Port Benefit given to thyroid disorder there is no waiting period so I will get 100% claim ? As confirm by company they will covered . So just ask you they cover all claim genuinely?

[@GurleenKaurTikku]

If it is mentioned in the care health policy document, then it will be covered

[@peachincoroporation9816]

Hello Let's say we buy one policy today and while buying we disclose that we use tobacco and alcohol then we start paying premium year by year and after paying premium for about 6 yrs if we dignose with serious disease then we can get claim or they reject it saying that because they consume tobacco and alcohol that is why disease occur .

[@karthikrajpalavalasa3024]

My brother have CKD. is possible to get healthy insurance?

[@GurleenKaurTikku]

Not possible

[@gowthamsr3545]

Hi mam, my mother (56 years) had vulva cancer 3 months back and surgery is done, chemotherapy and radiotherapy also done... Now she is alright... Can we get any health insurance for her now....??

[@GurleenKaurTikku]

Sir, not possible

[@aradhnas9708]

Madam my son age 31 years suffering with BP the Buppa reject his policy can you help other company which cover it

[@GurleenKaurTikku]

Hello jee, Please connect with us on WhatsApp/Call at 9650706699 . Our team can assist you with a few suitable options according to your requirements. Thank you 😊

[@Ramsangthakor4]

Mem merakoi health insurance nahi ok abhi ab mereko knee ghutana or kamar spine problems he ok usaka donoka oparesan karvaya pvt hospital me paise deke ok ab huva ye dono oparesan fail hogay not successful ok to dr bole ab 5.6 month bad dusari baar oparesan vo health insurance hotahe ok dekhe me abhi lelu ok plan health insurance ok par jab hospital me claim hoga to insurance vale ye point notice jarenge pahelese dieasis he ab ynaka treatment kiya tab koi problems hoga claim honeme kyu dr sab notice kartehe pepar wark kyahuva kab huva kabse kya treatment kiya ab kya karna OK or sab riport hamre claim pass dekhajayega to problems hoga

[@surajnegi6326]

Hello, is kidney stone operation covered in corporate health insurance policy ?

[@GurleenKaurTikku]

Depends on your policy. Every corporate insurance is different. Also, it's always better to have an individual health insurance as well. Thank you

[@sourav876]

My mother ,age 53, have Vascular malformations in lower lip(no pain or any severity) & bp(normal). I tried max bupa,hdfc, care health insurance but all rejected. Any solution?

[@GurleenKaurTikku]

Sourav jee, regretfully no solution