Potential health insurance Claim for a surgery
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I purchased hdfc ergo optima secure exactly 37 days back for my father.
He have experienced mild chest pain, this week and I am planning to take consultation with a cardiologist I am concerned about the possibility of a heart blockage.
Given that my policy has been in effect for over 31 days, I would like to know if my claim for any necessary surgery would be approved in the event of a diagnosis. I understand that the policy does not list any pre-existing diseases (PEDs) in my case, as he had not been diagnosed with or experienced any heart-related issues or taken medication in the past four years.
I kindly request clarification on how claims in such situations are handled. Your guidance would be greatly appreciated.
He have experienced mild chest pain, this week and I am planning to take consultation with a cardiologist I am concerned about the possibility of a heart blockage.
Given that my policy has been in effect for over 31 days, I would like to know if my claim for any necessary surgery would be approved in the event of a diagnosis. I understand that the policy does not list any pre-existing diseases (PEDs) in my case, as he had not been diagnosed with or experienced any heart-related issues or taken medication in the past four years.
I kindly request clarification on how claims in such situations are handled. Your guidance would be greatly appreciated.
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https://www.desidime.com/comments/permalink/10377067
First, diagnosis is must by at least 2 super specialist doctors.
Secondly, make sure the disease and its first symptom mentioned in the prescription is less than 31 days. You can reach out to your agent for more clarity, otherwise I would be happy to help as I have been handling claims(Optima Restore) for my father who is also a prostate cancer patient, as we are unable to port and stuck with policybazaar as its agent with zero support.
https://www.desidime.com/comments/permalink/10377111
Policy bazaar not good ? Was thinking of exploring for health insurance. Please suggest any better option.
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https://www.desidime.com/comments/permalink/10378376
If it is heart block as you are assuming, depends on the % of heart block. Not possible to ascertain. Most likely insurer will consider it as pre existing condition.
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dont think unnecessarily until and unless you have it diagnosed from atleast two different doctors