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AG

I have pancreatitis. Which insurance company can provide insurance without Objection. I am ok if there is waiting period but there should be claim accepted for PED

Replied by Policybazaar Team

Hello, Yes, you can still get health insurance even if you have chronic pancreatitis. However, the premium amount may be higher due to the pre-existing conditions. It is recommended to disclose your medical history accurately while buying the policy to avoid any future claim rejection. You can compare different health insurance plans here and choose the one that suits your requirements and budget 

GO

i could not decide which policy is best

Replied by Policybazaar Team

Hello Gopal, thank you for reaching out. We are arranging a callback from our insurance advisor. The advisor shall reach out to you shortly. You may select from a selection of health insurance products from several insurers on our website, including:
1. Individual health plans suited to a single person
2. Family floater health plans provide coverage for your complete family under a single plan.
3. Critical illness insurance policies (usually available as add-on covers)
4. Policies specific to Corona
There are also schemes designed specifically for senior citizens.

However, do note that most comprehensive health insurance policies (individual or family floater) provide cashless coverage across network hospitals, cover COVID-19 treatment costs, and are available with no co-pay for people up to 60 years of age with no pre-existing diseases.

While some features may differ from plan to plan, some key terms and conditions for nearly all comprehensive health policies include the following:
1. All pre-existing diseases have to be declared at the time of submitting the proposal form to avoid rejection of claims in the future
2. The insurer may require you to go through tele- or physical medical tests based on your age and health condition
3. Across all health insurance policies, you will be required to serve certain waiting periods (the period within which you cannot claim treatment of specified diseases). The waiting periods may differ slightly across plans.

You can find out more features and benefits about health insurance and also check out various policies here: Health Insurance

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BK

Want to know more about it

Replied by Policybazaar Team

Hello, Thanks for writing in. Travel insurance typically provides coverage for unforeseen events that may occur during your trip. Here are some of the common coverages that travel insurance provides:

  • Trip cancellation and interruption: If you need to cancel or cut short your trip due to unforeseen circumstances such as illness, injury, or death in the family, travel insurance can provide coverage for the non-refundable expenses.
  • Emergency medical expenses: If you fall ill or get injured during your trip, travel insurance can provide coverage for emergency medical expenses such as hospitalization, medical evacuation, and repatriation.
  • Baggage and personal belongings: If your baggage or personal belongings are lost, stolen, or damaged during your trip, travel insurance can provide coverage for the cost of replacement. 
  • Travel delay and missed connections: If your flight or train is delayed, travel insurance can provide coverage for the additional expenses such as meals and accommodations.
  • Accidental death and dismemberment: If you suffer accidental death or dismemberment during your trip, travel insurance can provide coverage for the medical expenses and the cost of repatriation.

Whether or not you need travel insurance depends on several factors, such as the cost of your trip, your destination, and the activities you will be participating in. If you are traveling to a foreign country or participating in adventure sports, you may need additional coverage that may not be provided by your regular health insurance or credit card benefits. Additionally, if your trip involves non-refundable expenses such as airfare, hotels, and tours, you may want to consider purchasing travel insurance to protect your investment.

It is recommended that you compare multiple travel insurance plans and read the policy documents carefully before making a final decision. It is also important to understand the coverage exclusions and limitations of the travel insurance policy to ensure that you are getting the coverage you need.

Visit the following link to learn more about Travel Insurance

HA

Work visa details in sweden

View answer
Replied by Policybazaar Team

Hello Hafsal, thanks for reaching out. We have a variety of insurance available on our website. A travel insurance policy is a great way to keep yourself covered against any financial burden arising from health emergencies or baggage loss while travelling away from home. You can find, compare and purchase various plans by clicking on the link here and filling in your trip details: Travel Insurance

In addition to the destination and number of people travelling, you will also need to provide the following additional details to view the relevant plans:
1. Travel dates
2. Ages of all the people travelling
3. Whether you or a co-traveller suffer any pre-existing diseases (Yes/ No)
 

SA

Any accident we get repair carges

View answer
Replied by Policybazaar Team

Hello Satish, There are two types of policies under Two-wheeler insurance.

Under a third-party bike insurance policy, the insurance company will cover the cost of any damages caused to the third party's property or injuries sustained by the third party in an accident involving your bike. However, this policy does not cover damages to your bike or injuries sustained by you in an accident.

It is essential to have a third-party bike insurance policy, as it not only protects you from financial liabilities but also helps you comply with the law. In case of an accident, having a third-party bike insurance policy can provide you with peace of mind and financial security.

Under a comprehensive third-party insurance policy, the insurance company will cover the cost of any damages caused to the third party's property or injuries sustained by the third party in an accident involving your bike. This policy also covers damages to your bike and injuries sustained by you in an accident up to the policy limit.

While a comprehensive third-party insurance policy provides greater coverage than a basic third-party insurance policy, it is also more expensive. However, the additional coverage provided by a comprehensive policy can give you greater peace of mind and financial security in case of an accident.

For more information about two-wheeler insurance here

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