ferroboomer.blogg.se - Eplan insurance

Health insurance is a safety net to safeguard your finances and ensure the best possible care if a health emergency arises. Myth 4: Insurance for senior citizen is expensive Hence, it is prudent to have separate health insurance for yourself and your parents. Additionally, the insurance benefit ceases if you lose your job or quit. Many youngsters feel that the mediclaim policy provided by their employer is comprehensive, but in most cases it is not. Myth 3: My work/corporate insurance cover is enough For hospitalization due to accident, the policy provides coverage from day 1. However for other conditions, the hospitalization coverage starts after initial waiting period of 30 days. Senior First has a waiting period of only two years for pre-existing conditions and for specific diseases/procedures such as cataract, hernia, joint replacement etc. Myth 2: There are very high waiting periods in senior citizens health insurance policies So, it best to buy a health insurance plan as early as possible to serve the waiting period and mitigate the risks. Additionally, most health insurance plans have a waiting period. Thus, having a health insurance plan for contingency is a wise move. While they may be healthy now, the situation could change in a few years. Myth 1: My parents don’t need health insurance as they are healthyĮveryone needs health insurance, especially ageing parents. Refer to the policy document for further details on sub-limits, waiting period and exclusions.

Costs which are not Reasonable and Customary and treatments which are not Medically Necessary.

Intentional self inflicted Injury or attempted suicide.

- Multifocal Lens and ambulatory devices such as walkers, crutches etc.- Any treatment or medical services received outside the geographical limits of India.

- Circumcision, External Congenital Anomaly, Sexually transmitted Infections & diseases (other than HIV / AIDS).

- Sterility and Infertility, Maternity Expenses.

- Dietary supplements and substances without prescription, including but not limited to vitamins, minerals and organic substances.- Treatments received in heath hydros, nature cure clinics, spas or similar establishments.- Sleep disorders, Treatment for, alcoholism, drug or substance abuse or any addictive condition.- Change-of-Gender treatments, Cosmetic or plastic Surgery, Hormone Replacement Therapy.- Rest Cure, rehabilitation and respite care.- Breach of law, Excluded Providers, Conflict & Disaster.

- Unproven Treatments, Unrecognized Physician or Hospital.

- Investigation & Evaluation, OPD Treatment.

In case of enhancement of Sum Insured the exclusion shall apply afresh to the extent of Sum Insured increase. will be covered after a waiting period of 2 years. - Any pre-existing conditions and specified disease/procedures like cataract, pancreatitis, hernia, osteoarthritis, joint replacement etc.This waiting period does not apply for health check-up and renewal policies. - Treatment during the first 30 days of the plan will not be covered, unless the treatment needed is a result of an accident.