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
Your email address will not be published. Required fields are marked *
Please subscribe me to your Email Newsletters
This site uses Akismet to reduce spam. Learn how your comment data is processed.
Download Our FREE Ebook!
Available only for first 100 people today
New here? Create an account