What kind of insurance is supported for a SLE Patient for 2 decades and doing ok overall

Ans: Hi, you will have to check with health insurance companies for the same. No one plan suits all. In case of pre-existing diseases, the insurance company will provide coverage limit and premiums accordingly.

Ans: Dear Anonymous,
SLE is an autoummune disorder. For any kind of autoimmune disorder meditation, breathing exercises and certain yoga asanas can help greatly. Certain nutrition guidelines by a good ayurvedic doctor can also make a difference.
Certain anti-inflammatory herbs and spices like tulsi, ginger, turmeric can help. Fruits like berries, strawberries that are rich in anti-oxidants can help. Omega 3 fatty acids can help.
Please approach a good nutritionist and yoga teacher. Combination of holistic therapies may prove greatly beneficial.
All the best!

Ans: Yes, some health insurance companies in India offer mediclaim coverage for diabetics and cancer patients, but with certain conditions and limitations. Here's a breakdown:

For diabetics:

• Specific diabetes-focused plans: Several insurers offer dedicated health insurance plans for diabetics, covering medical expenses related to managing the condition, including:
• Daycare treatments: Dialysis, insulin pump therapy, etc.
• Pre and post-hospitalisation expenses: Doctor consultations, lab tests, medications.
• AYUSH treatments: Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
• Critical illness cover: Coverage for specific complications like kidney failure.
• Regular health insurance plans: Many regular health insurance plans also cover pre-existing conditions like diabetes after an initial waiting period (2-4 years typically). However, coverage for specific diabetes-related expenses might be limited or excluded.

For cancer patients:

• Dedicated cancer-focused plans: Similar to diabetes, some insurers offer specific cancer insurance plans covering:
• Cancer treatments: Chemotherapy, radiation therapy, surgery, etc.
• Hospitalisation expenses: Room rent, nursing charges, etc.
• Loss of income: Financial support during treatment.
• Regular health insurance plans: Most regular health insurance plans cover cancer treatment after a waiting period. However, specific aspects like pre-existing stages, claim limits, and exclusions might apply.

Important things to remember:

• Pre-existing condition loading: Both diabetics and cancer patients might face higher premiums due to their pre-existing conditions.
• Waiting period: You might have to wait for a specific period (typically 2-4 years) before claiming benefits related to your pre-existing condition.
• Exclusions: Policies might exclude certain treatments, stages of cancer, or complications arising from pre-existing conditions.

Recommendations:

• Compare plans: Carefully compare various plans offered by different insurers, focusing on coverage details, exclusions, waiting periods, and premium costs.
• Consult an advisor: Seek guidance from a qualified insurance advisor who can understand your specific needs and recommend suitable plans.
• Disclose your condition: Always disclose your pre-existing condition (diabetes or cancer) accurately when applying for insurance.

Remember, this information should not be considered financial advice. Please consult with a qualified professional for personalised guidance on choosing the right health insurance plan.

Ans: Yes, you can still get health insurance coverage even with a pre-existing chronic ailment like diabetes, high blood pressure, or a heart condition. Here's a breakdown of what to consider:

Disclosing Pre-existing Conditions:

• It is crucial to disclose any pre-existing conditions to the insurer. This is because they assess the risk involved in covering you. Hiding this information can lead to claim rejection later.

Coverage for Pre-existing Conditions:

• Most health insurance plans cover pre-existing conditions, but with a waiting period. This waiting period can range from 2 to 4 years depending on the plan and the severity of the condition.
• There are plans that offer coverage for pre-existing conditions from day one, but they typically come with higher premiums.

Finding the Right Plan:

• Do your research and compare different health insurance plans to find one that offers coverage for your specific chronic ailment and has a reasonable waiting period.

Here are some additional tips:

• Be honest and upfront about your medical history in your application.
• Get a copy of the policy documents and carefully review the exclusions clause to understand what is not covered.
• Consider critical illness plans that provide a lump sum payment for specific critical illnesses, including some chronic conditions.
• Remember, transparency is the key. Disclosing pre-existing conditions ensures you get the right coverage and avoid claim rejections later.

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.