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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
i could not decide which policy is best
Verified | GOPAL | 04 Mar, 2025, 03:12 PMHello 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
Hello Kalesh. Thanks for reaching out. Health insurance plan that covers OPD (Outpatient Department) expenses for your parents. While most health insurance plans primarily focus on covering hospitalization expenses, specific plans also offer coverage for OPD expenses. However, it's important to note that the availability of such plans and their specific features may vary depending on the insurance providers in your region. I'll provide you with some general information to help you navigate through the process:
1. Coverage Details: While looking for a health insurance plan, pay attention to the coverage details related to OPD expenses. Some plans may offer a fixed sum insured for OPD consultations, diagnostic tests, medications, and other related expenses. Ensure that the plan adequately covers the anticipated OPD costs for your parents.
2. Network of Hospitals/Clinics: Check if the health insurance plan has a vast network of hospitals, clinics, and diagnostic centres where your parents can avail of OPD services. A more extensive network ensures better access to quality healthcare facilities.
3. Policy Terms and Conditions: Read the policy terms and conditions thoroughly, paying close attention to any exclusions or waiting periods associated with OPD coverage. Some plans may limit the number of consultations, tests, or medications covered in a year.
4. Premiums and Deductibles: Evaluate the premium costs and deductibles associated with the health insurance plan. Ensure the premium is affordable for you in the long run, considering your parents' age and healthcare needs.
5. Pre-existing Conditions: If your parents have any pre-existing medical conditions, check if the health insurance plan covers them for OPD expenses. Some plans may have waiting periods or specific conditions related to pre-existing ailments.
6. Additional Benefits: Look for any additional benefits provided by the insurance plan, such as wellness programs, preventive health check-ups, or teleconsultation services, which can be valuable for your parents' overall healthcare needs.
Reviewing and comparing multiple health insurance plans is essential to find the one that best suits your parents' requirements. It's also advisable to consult with a Policybazaar expert or a licensed insurance advisor who can provide personalized guidance based on your parents' specific needs and the available options in your region.
You can find out more features and benefits of health insurance and check out various policies here: Health Insurance
