I want to buy health insurance for my parents. My father is 61 years old and has undergone angioplasty in 2011. He is also diabetic. My mother is 56 years old and recently diagnosed with diabetes.
-N Shekhar Rao
Most insurers would deny a health cover to someone with a pre-existing heart ailment. However, Star Health Insurance Company has a special insurance called Star Cardiac Care for people with heart ailments. Star Cardiac Care is the name of the plan where your father will be covered for all ailments including heart. However, the premiums are on the higher side. You can check the policy details and take an informed decision.
Coming to your mother's requirement, you can look for a separate individual plan for her. Diabetes falls under the 'high risk' category. It is mostly treated as a pre-existing ailment and no claims are entertained for its treatment. Pre-existing ailments, like diabetes and hypertension, have a waiting period of two to four years. Star Health, Oriental Health, Apollo Munich and New India Assurance provide insurance plans for diabetes and hypertension patients. Diabetes Safe from Star Health, Diabetes Care from ICICI Prudential and Energy from Apollo Munich are specially designed health plans for people with diabetes, which not only covers the ailment related to diabetes but also other health issues. These policies are also a bit expensive.
This article was originally published on January 04, 2017.
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