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Financial Planner - Answered on Feb 01, 2024

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Asked by Anonymous - Jan 31, 2024Hindi

HI Sir, do you know of any insurance company in India offering overseas travel insurance policy covering pre-existing heart ailments? I would like to know more about such a policy.

Ans: Let me offer some pointers on finding travel insurance for pre-existing heart ailments. It's essential to contact insurance providers directly for the most accurate and up-to-date information. Here are some steps you can take:

Research Insurance Providers:

Start by researching companies like ICICI Lombard, HDFC ERGO, Tata AIG, and others which commonly provide such policies.

Contact Customer Service:

Reach out to the customer service or support teams of these insurance companies. You can find their contact information on their official websites.

Ask about Pre-existing Conditions:

Inquire specifically about travel insurance policies that cover pre-existing heart ailments. Provide details about the condition and ask about coverage, exclusions, and any additional requirements.

Review Policy Documents:

Carefully review the policy documents, terms, and conditions. Pay attention to the coverage limits, exclusions, and any waiting periods that may apply to pre-existing conditions.

Compare Policies:

Compare the offerings of different insurance providers to ensure you get the best coverage for your needs. Consider factors such as coverage limits, premium costs, and the extent of coverage for pre-existing conditions.

Medical Check-up Requirements:

Some insurers may require a medical check-up before providing coverage for pre-existing conditions. Understand any such requirements and fulfill them if needed.

Declare Pre-existing Conditions:

Ensure that you declare your pre-existing heart ailment accurately during the application process. Failure to disclose relevant information may lead to claim rejection.

Seek Professional Advice:

If you have specific concerns or requirements related to your health condition, consider consulting an insurance advisor or broker for personalised guidance.

Remember that policies and offerings can change, so it's crucial to verify the latest information directly with the insurance companies. Always read the terms and conditions thoroughly to understand the coverage and limitations of the policy.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Sanjib Jha  | Answer  |Ask -

Insurance Expert - Answered on Jun 21, 2022

I am 83 and hale and hearty. My only passion is TRAVEL -- National and International. I have a daily routine to go for morning/evening walks along with light exercises at home. At the age of 76, I had IMPLANTATION of PACEMAKER and thereafter CABG. Health Insurance: No insurance company offers me a comprehensive Health policy with ADDS ON. I am offered HEART POLICY without ADDS ON like day care treatment, but EXCLUDING PACEMAKER. For this, their Premium is Rs.74000.00. I have no problem whatsoever as far as my Heart and Pacemaker, then why the insurance company can't include day care treatment. It's quite shocking that in our country, Health insurance is HARD CORE BUSINESS and IRDA and Govt. of India is aware of the happenings in Healthcare Insurance but keep their eyes closed. What a Pity!
Ans: Hi Ashok, it is great to know that you are maintaining a healthy lifestyle and living your life to the fullest. The concern raised by you is legit but the solution to it is simple – Buy the right kind of health insurance policies at an early age. When one purchases health insurance at an early age, the premiums they pay will be lower because their pre-existing diseases will be lesser and will not be considered a high-risk profile.

As our age increases, the chances of health deterioration increase which makes the premiums higher and in some cases a lot of diseases and ailments come with a longer waiting period and PED exclusion lists. During the time of issuance, each insurer analysis the risk via proposal form, medical reports and take decisions accordingly.

Age is an important factor in risk determination by the insurers and considers old age applicants as very high-risk profiles and hence doesn’t provide health policy. Few of the heart policies as said will provide coverage but will exclude the PEDs (pre-existing diseases).

This is why the Govt. of India, IRDAI, Insurers and broking companies like Coverfox Insurance are trying to educate the masses to purchase health insurance policies at a younger age and are constantly trying to inform people of the benefits of Health Insurance and how to choose the correct plan for oneself.

..Read more


Moneywize   |124 Answers  |Ask -

Financial Planner - Answered on Feb 26, 2024

Asked by Anonymous - Feb 25, 2024Hindi
I am an NRI from Dubai. My queries: Can I avail of any health insurance from India? I often travel to India for 30 days at a stretch and would like to cover myself for any medical emergencies. I am 48 now.
Ans: Yes, you can definitely avail of health insurance from India as an NRI living in Dubai.

Many Indian insurance companies offer health insurance plans specifically designed for NRIs. These plans provide coverage specifically for medical expenses incurred during your visits to India. Here's what you need to know:


• Coverage for medical emergencies: These plans typically cover hospitalisation expenses, including room and board charges, surgeon fees, doctor consultations, and specific medical procedures.
• Flexibility: You can choose plans with varying sum insured amounts (coverage limit) to suit your needs.
• Renewal options: These plans are usually renewable, allowing you to continue coverage over your future visits to India.

Things to Consider:

• Coverage scope: These plans are generally valid only within India.
• Pre-existing conditions: Some plans may have exclusions for pre-existing conditions, so be sure to disclose your medical history accurately during the application process.
• Renewal requirements: Some insurers might require you to be physically present in India for renewal.

How to Buy:

• Online platforms: Many insurance companies offer online application options, allowing you to compare plans, choose the best fit, and purchase the plan directly.
• Insurance agents: You can also get in touch with a trusted insurance agent in India who can guide you through the process, compare options and help you choose the right plan.

Given your situation:

Considering your 30-day visits and your age (48), a short-term health insurance plan (also called travel medical insurance) might be a good option. These plans typically offer coverage for shorter durations and are generally more affordable than regular comprehensive health insurance.

Research and compare different plans offered by different companies to find one that fits your budget and provides the coverage you need.

..Read more

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.


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