[commonman]

Originally Posted by Captain Slow

My Parents have Individual ICICI Lombard health insurances.
Until this year the premium was 8,800 something for them

Gods Grace - They have never made even a single claim till date.

But this years renewal notice is 26,000 for my dad and 23,000 change for my mother.

The Increase in Premium is absurd. No one from ICICI has a clear answer as to why the premium has increased so much.

The so called telephone support is hopeless. After listening to everything they simply disconnected your call.

The renewal due date is on the 8th of this month? Can something be done about this ?

Please provide your parents age .The insurance premium also depends upon so many other factors.The premium definitely had increased from last year .This applies to all insurance companies and age groups.
I don't see ,there can be a scam. They are answerable to IRDA. Please check with another company with the history of your parents. It is possible to change the insurance company now a days with the No claim Bonus.

[Captain Slow]

Originally Posted by commonman

Please provide your parents age .The insurance premium also depends upon so many other factors.The premium definitely had increased from last year .This applies to all insurance companies and age groups.
I don't see ,there can be a scam. They are answerable to IRDA. Please check with another company with the history of your parents. It is possible to change the insurance company now a days with the No claim Bonus.

Dad turned 60, mom is 54. Both are on separate policies.
No they don't have a history with any other company. They blindly trusted ICICI.
Later in the evening I finally got through some sensible support person she finally tells me that the insurance policy that my parents were on has been withdrawn and this so called new policy is the one that is equitant, But the premium for this plan is 3-4 times of the old policy!

[commonman]

You can contact United insurance or national insurance.Show them the last insurance policy.They may be able to renew the policy .Can also contact Apollo Munich.By history I meant no claim history.This will be shown as NCB in the previous policy document.

[Captain Slow]

Originally Posted by commonman

You can contact United insurance or national insurance.Show them the last insurance policy.They may be able to renew the policy .Can also contact Apollo Munich.By history I meant no claim history.This will be shown as NCB in the previous policy document.

Thanks for the reply,

If they do transfer now Would have to wait for 2 years or some kind of stipulated time frame before they can make a claim or something? This I am asking for dad as he is quite old and I don't want to be left un insured something bad were to happen.

[vinit.merchant]

Had approached Appollo Munich for a Family Floater plan of 5L, but was not given the policy citing “History of Arthritis” as a reason for rejection (which I had declared in their form beforehand). My payment was returned to me.

Do Health Insurance Companies not provide cover to people with Arthritis? Arthritis is very common and I was surprised at the rejection.

Any Insurance Company that does provide cover to people suffering from Arthritis ?

[drsingh]

Originally Posted by vinit.merchant

Had approached Appollo Munich for a Family Floater plan of 5L, but was not given the policy citing "History of Arthritis" as a reason for rejection (which I had declared in their form beforehand). My payment was returned to me.

Do Health Insurance Companies not provide cover to people with Arthritis? Arthritis is very common and I was surprised at the rejection.

Any Insurance Company that does provide cover to people suffering from Arthritis ?

How old are you? The underwriters at the health insurance company have formulated criteria of risk and your application was probably rejected if they thought you'd be a candidate for knee replacement soon. Did a doctor examine you physically?

[vinit.merchant]

Originally Posted by drsingh

How old are you? The underwriters at the health insurance company have formulated criteria of risk and your application was probably rejected if they thought you'd be a candidate for knee replacement soon. Did a doctor examine you physically?

I will turn 34 soon.
None of the doctors examined me. In fact I had attached the report of the Rheumatologist I had consulted more than a year back, where it clearly states the type of Arthritis I have. There are around 150 types and hence I attached that report.
My Application was rejected without any check by the doctors, just on the basis of "History of Ankylosing Spondilytis".

And no, I am not a candidate for knee replacement.
EDIT: Nothing suggests knee replacement so far. I also do not suffer any pain in my knees.

[drsingh]

Originally Posted by vinit.merchant

My Application was rejected without any check by the doctors, just on the basis of "History of Ankylosing Spondilytis".

.

Ankylosing spondylitis is grounds for rejection at the underwriting stage. I have attached a snapshot from an underwriting manual. Most companies have similar underwriting guidelines for managing health risk and are based on their experience in western countries over the years.


You can try a different health insurance company. As per my understanding, in India the law states that pre existing disease is not grounds for refusing health insurance altogether. There may be a waiting period of 2-3 years before that particular risk is covered.

On the other hand read the fine print of the policy documents, if AS is listed as a condition they will not cover..

If you are refused health insurance by multiple companies cause of your diagnosis, you may have to write to the ombudsman.

[vinit.merchant]

Originally Posted by drsingh

Ankylosing spondylitis is grounds for rejection at the underwriting stage. I have attached a snapshot from an underwriting manual. Most companies have similar underwriting guidelines for managing health risk and are based on their experience in western countries over the years.


You can try a different health insurance company. As per my understanding, in India the law states that pre existing disease is not grounds for refusing health insurance altogether. There may be a waiting period of 2-3 years before that particular risk is covered.

On the other hand read the fine print of the policy documents, if AS is listed as a condition they will not cover..

If you are refused health insurance by multiple companies cause of your diagnosis, you may have to write to the ombudsman.

Attachment 1244296

I am unable to enlarge the picture that you have uploaded. Hence unable to read anything on it.

[drsingh]

Originally Posted by vinit.merchant

I am unable to enlarge the picture that you have uploaded. Hence unable to read anything on it.

I'm uploading it again
Save the pic and view it in the gallery ..

[vinit.merchant]

Thanks Dr Singh.
Ankylosing Sondylitis is definitely listed as a decline case.

I will try to get the insurance from other companies and see what turns out.


Never knew that AS has such severe complications associated with it. Quite scary to know in fact.

EDIT:
I read more closely. I am definitely not a case of Severe AS. Not even moderate.
My treatment is limited to NSAID, that too very occassional when there is a sudden flare up in pain.
Quite confusing.

[drsingh]

Originally Posted by vinit.merchant

Thanks Dr Singh.

Never knew that AS has such severe complications associated with it. Quite scary to know in fact.

EDIT:
I read more closely. I am definitely not a case of Severe AS. Not even moderate.
My treatment is limited to NSAID, that too very occassional when there is a sudden flare up in pain.
Quite confusing.

Most AS cases do not require surgery and are managed conservatively. Indian health insurance underwriting is kind of a mess right now. There is poor training about the severity of medical disease. Most likely they just have a standard decline option for AS according to the underwriting manual prepared by consultants.

You should try others and read the fine print carefully.

[pareshraheja]

Guys, need some advice on medical policy. I am in the market for a medical policy of 5 Lakhs (family floater). Happen to lay my eyes on PNB Oriental Royal Mediclaim Policy when I visited PNB.

Have gone through the policy and found the following pro's and con's

Pro's:
1. premium is fixed for age group of 3 months to 79 years (i am 33 and wifey is 31)
2. Girl child is covered until her marriage. (Big plus for me has I have a 4 month old daughter)
3. Premium is very reasonable

Con's:
1. Policy seizes to exist once the insurer turns 79 years of age.
2. Room Rent is limited to 1 % of policy value.
3. ICU charges are limited to 2 % of insurance value
4. Still have my doubts on how quickly the claims will be settled considering Oriental Insurance is a Nationalized insurer.

My main worry is point 4 in the con's. Has anyone got some hands on experience with such policies?

cheers

[ghodlur]

Puneites - Pls take a note of this.

All private hospitals in Pune city and Pimpri Chinchwad have been asked to stop offering cashless treatment facility to individual policy holders of public sector insurance companies from December 1. Moreover, private hospitals with a strength of less than 50 beds won't extend cashless facility to all types of policy holders.

Details in the link.
http://timesofindia.indiatimes.com/C...w/45341465.cms

[ashwinsid]

Apologies if something similar has already been answered. But need some advise.

My Father is 60. Is diabetic (not severe). For most parts fit. No other diagnosed illness apart from low BP last week for which he was admitted to Columbia Asia Hospital (18K for one day in 5 bed ward and other charges).

My Mother is 50. No diagnosed illness.

I want to get health cover for both of them and also life insurance cover (combined policy or different policies no issue).

Request recommendations on which provider will offer a better Health cover for 60/50 year old. Better means not too many riders on exclusions and stuff. Thank you!