I'm a multiple sclerosis patient since 2005, and have few relapses till 2011. And after that in 2022. My age is 40. Which health insurance will civer me?

Ans: Hi, the coverage amount should be an estimate of the treatment you may be expecting in the near future in case you have any pre existing diseases. Else, due to the age being on higher end, you may have to pay higher premiums. Do not delay and purchase as soon as possible.

Ans: For a patient with Systemic Lupus Erythematosus (SLE) who is doing well overall and looking for insurance coverage, here are some types of insurance that may be suitable:

Health Insurance: A comprehensive health insurance plan that covers hospitalization, medication, and other medical expenses related to SLE can provide financial protection against high medical bills. Some insurers offer specialized health insurance plans for individuals with pre-existing conditions like SLE.
Critical Illness Insurance: Critical illness insurance provides a lump-sum payout if you are diagnosed with a critical illness like SLE. This can help cover treatment costs and other expenses related to your condition.
Life Insurance: Term life insurance or whole life insurance can provide financial security to your dependents in case of your untimely demise. Some insurers may offer life insurance coverage to individuals with controlled SLE, although premiums may be higher.
Travel Insurance: If you travel frequently, consider purchasing travel insurance that covers medical emergencies, trip cancellations, and other travel-related risks. Make sure to disclose your SLE diagnosis when purchasing travel insurance to ensure you are adequately covered.
Disability Insurance: Disability insurance provides income replacement if you are unable to work due to a disability, including SLE. This can help maintain your financial stability and cover your living expenses if you are unable to work.
Medicare or Medicaid: Depending on your age and financial situation, you may qualify for Medicare or Medicaid, which can help cover medical expenses related to SLE. Check eligibility requirements and coverage options in your state.
When applying for insurance, it's important to disclose your SLE diagnosis and provide accurate information about your health condition. Some insurers may require a medical examination or review of your medical records to assess your eligibility and determine premiums. Consulting with an insurance advisor or broker who specializes in health insurance for individuals with pre-existing conditions can help you find suitable coverage options tailored to your needs and budget.

Ans: Several insurance companies offer health insurance policies specifically designed for senior citizens. Some of these companies include:

1. Star Health and Allied Insurance: They offer various health insurance plans specifically for senior citizens with comprehensive coverage and benefits tailored to their needs.

2. New India Assurance: They have health insurance policies catering to senior citizens, providing coverage for medical expenses, hospitalisation, and more.

3. National Insurance Company: They offer health insurance plans with coverage options suitable for senior citizens, including pre-existing disease coverage and other benefits.

4. United India Insurance: They provide health insurance policies for senior citizens with features like cashless hospitalisation, pre-existing disease coverage, and more.

5. Religare Health Insurance: They offer health insurance plans specially designed for senior citizens, providing coverage for hospitalisation expenses, pre-existing diseases, and other medical needs.

6. Bajaj Allianz: They have health insurance policies tailored for senior citizens, offering coverage for hospitalisation, medical expenses, and other related costs.

7. Max Bupa Health Insurance: They offer health insurance plans with specific coverage options for senior citizens, including comprehensive coverage for various medical expenses.

Before choosing a policy, it's essential to compare the features, coverage, premiums, and exclusions of different plans to find the one that best suits your needs and budget. Additionally, consider factors such as network hospitals, claim settlement ratio, and customer service quality when selecting an insurance company.

Ans: Star senior citizen red carpet
Niva Bupa Senior First
Manipal Cigna Prime Senior
Care Senior Plan

Plz. Check the detailed policy wordings and seek help from your insurance advisor if needed.