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Which insurance policies in India cover pre-existing diseases?
Question
In India, companies like ICICI Lombard offer coverage of pre-existing diseases after a certain number of years from the policy purchase date. Which other health insurance companies offer such a product, which cover pre-existing diseases?
Expert Answer
D
Dr Deepak MendirattaAug 23, 2006
Health Insurance, Max Healthcare Institute Ltd, New Delhi
Generally pre existing diseases are covered more under group policies than under Individual medical insurance policies. Individual policies covering pre existing cover are offered by companies including Bajaj Allainz & Oriental Insurance. ICICI Lombard used to offer a cover for pre existing disease but last I knew they had discontinued this cover. Generally, there is a moratorium period (waiting period) before the coverage of the pre existing ailment begins and in this period there should be no hospitalisation on account of the declared ailment.
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