December 18, 2011 8:37 am
want to buy health policy for my mother a cancer patient,is cancer include in pre existing disease and can be covered after waiting period?
Dear Kapil, You may purchase a standalone health policy for your father either under a tie up from the bank where you are maintaining a relationship or from Oriental or Max or Apollo.
he is covered but SA 3 LAConly that is already used by my mother
if SA increase than again there is waiting
so i think it will be good to have another policy for my father who is completly healthy
Dear Kapil, Are your father not covered under your family floater already where your mother is covered?
Dear Kapil, Please increase the suym assured in your existing policy no matter how much prem. is loaded by Bajaj. As your claim was successful, that’s the main reason that you should continue with it. Also being on negative side of health, not many ins. co. ‘ll come forward to provide your mother a health policy. Even if a policy is issued, the pre existing illness clause means the policy ‘ll remain useless for next 3-4 years & even after that, there is no guarantee of successful claims.
Please check with Bajaj for the prem. loading.
thanks Mr.ashal jauhari & Mr.Manish Chauhan
u have cleared many apprehension,
my last unsolved query
my father which is 58 yrs now i have to have which health insurance and individual or floater?(as individual i have to pay less mean cost effective ,in family floater there are chances of my mother to cover after waiting period)
Dear Kapil, Please check with either PSU insurers or Star health.
Its too late to cover that now .. the preexisting disease like Cancer will not be covered and mostly your mother will not be covered by most of hte companies .. With such a big illness , companies will refuse to give any coverage .
You can rather try public insurers
my mother is covered in family floater from bajaj allianj,and i got claim also
now my worry is
1. i want to increase sum assured now it is 3 lac
2. i want to have a separate policy for my father which is 58 now, or i shd have another family floater with high sum assured from another company but the problem is as u well said the preexisting disease like Cancer will not be covered and my mother will not be covered by most of the companies .
3.i want to know what is the loading of bajaj allianz family floater.
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