Question

Mr Ram resides in Mumbai and is 60 years old. He inquiries about the Mediclaim policy for himself, he has medical history of Hypertension and Diabetes since last 6 years and is undergoing treatment for the same with Ayurvedic medicines. Suggest the policy for him as per his pre-existing medical conditions and the coverage for the same.

Answer 1

1. Senior citizen Mediclaim Policy is best suited. Any senior citizen resident in India and aged between 60 and 80 can buy this policy. If renewed without a break, the cover can be continued up to age 90. 

2. The Proposers must undergo a prescribed pre- acceptance health checkup at their own cost to identify pre-existing diseases. The health check may be waived if the proposer is already having Mediclaim insurance in continuity with the insurance company. 

3. Pre-existing diseases are covered only after 18 months of continuous insurance with the insurance company. Pre-existing conditions like Hypertension, Diabetes Mel litmus and its complications are covered after 18 months of continuous insurance but only on payment of additional premium.