November 21, 2012 5:03 pm
Dear Manish & friends,
can you suggest the best health insurance policy which covers the pre-existing diseases also from day-1 with out any waiting period.
As Manish mentioned there are no current providers that cover pre-existing diseases from the initial stage. All of them cover after 3-4 years. Have a look at this Royal Sundaram health insurance http://www.squidoo.com/health-plan2 article that will guide you in a better way.
Thanks for your reply. Is there any plan which covers the pre-existing diseases with minimum waiting period say 2 or 3 years rather than 4-years.
There does not exist any plan like that and There cant be . There is no business sense to create a product like that . For a min, imagine your are a health insurance company and offering a product, will you offer that kind of product ?
If you do , then a person can take a policy from you for a premium of say 10,000 and then take the treatment worth 3 lacs . INSURANCE is not meant to cover CERTAIN event , its only to cover “likely” events , which have chances of happening !
I hope you got the point
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