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.