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Requested advice for a Medical Insurance for a person who already undergone Kidney transplant operation.

Hi,

Thank you very much for clarifing many of our queries which will help us greatly.

I am a software egineer of age 31, who have undergone kidney transplant operation in 2012 FEB. Thanks to god that every thing went fine and most of the expenses are coverd under my company’s mediclaim policy. Now I am planning to take a seperate mediclaim policy individually to aviod any future problems. Please give your suggestions on my below questions.

1. Are there any companies that give medical insurance treating my condition as pre exisitng ill less?(will they atlease cover after waiting period of 4 years or with high premeimum?)

2. If present please suggest what are those policies and suggest the good one to go ahead.

3. I need to take medicine through out my life as kindney recipient. Is there any way to cover the medicine expenses under any policy.

I really thankfulf for your comments on this and will be very helpful to me.

Eswar.

 

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