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Policies covering pre-existing diseases from day 1 reduce anxiety

Watch out for limited sum insured in such covers

Topics
Health Insurance | Personal Finance  | health insurance policy

Sanjay Kumar Singh  |  New Delhi 

Typically, when a customer with a pre-existing disease (PED) tries to buy a health insurance cover, one of three things happens: His proposal is turned down; he gets the coverage but the PED is permanently excluded; or he gets it with a waiting period of two-four years. Last week Aditya Birla Health Insurance launched a revised version of its plan, Activ Health Platinum, which offers coverage from day one for four PEDs—asthma, blood pressure, cholesterol and diabetes.

A few other insurers also offer products that give day one coverage for PEDs (see table). Demand for such ...

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First Published: Tue, February 16 2021. 13:36 IST
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