I am handicapped male with DOB 21/01/1990. I am handicapped from birth due to cerebral palsy. I undergone surgery for recoupment of handicappness. I also suffers from Asthama. Which company can offer health insurance to me?
Ans: I can offer general guidance to help you find health insurance as someone with pre-existing conditions.
In India, several companies offer health insurance plans for individuals with pre-existing conditions like cerebral palsy and asthma. Here are some steps to find suitable coverage:
Research Companies: Consider reputable health insurance companies in India known for offering plans to people with pre-existing conditions. You can search online or consult an insurance broker for recommendations.
Contact Insurance Companies: Reach out to shortlisted companies and inquire about their plans for pre-existing conditions. Ask about coverage details, exclusions, and claim settlement procedures.
Compare Plans: Carefully compare plans from different insurers. Consider factors like coverage details, deductibles, co-pays, network hospitals, and premium costs.
Here are some resources that might be helpful in your research (avoiding mentioning specific companies):
Regulatory Body: Insurance Regulatory and Development Authority of India
Health Insurance Information: General Insurance Council [invalid URL removed]
Additional Tips:
Be upfront about your pre-existing conditions when contacting insurance companies.
Inquire about waiting periods for specific treatments or procedures.
Understand the claim process and required documentation.
Remember, consulting a qualified insurance broker can be helpful, especially when navigating plans with pre-existing conditions. They can assist you in comparing plans, understanding coverage details, and finding the most suitable option for your needs.
For personalized advice tailored to your specific situation, consider consulting with a Certified Financial Planner or tax advisor.
Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
