I need to embody my spouse in my medical health insurance coverage. Are maternity/pregnancy-related bills lined below medical health insurance plans?
-Name withheld on request
Yes, you’ll be able to embody your partner and youngsters in your current medical health insurance coverage and you’ll even have the choice of getting particular person sum insured for every member of the household or a floating sum insured for the entire household.
Maternity bills are usually not a part of the built-in cowl and could be non-compulsory. They would additionally include a ready interval of two or 3 years. Please verify on this facet by going by the coverage phrases and circumstances fastidiously or talking to an organization consultant or middleman corresponding to an agent who would be capable of advise you additional.
You additionally must verify the circumstances of protection, for e.g. there could also be a restrict on variety of pregnancies lined below the coverage or a sub-limit on the utmost expense allowed to be claimed below the maternity profit.
I’m advised that I might need to bear a bypass surgical procedure in subsequent one yr. Can I take a medical health insurance coverage now in order that it covers the expense once I go for the surgical procedure subsequent yr?
-Name withheld on request
Retail medical health insurance insurance policies usually exclude pre-existing circumstances for a interval of two to 4 years and accordingly, in case you are already affected by a coronary heart situation which could require a bypass surgical procedure, it’s unlikely to be lined below the coverage. It also needs to be remembered that on the time of taking a medical health insurance coverage, a full and frank disclosure of all pre-existing diseases/ailments/circumstances is predicted. Failure to take action may influence declare funds at a later stage.
However, in case you are lined below a gaggle medical health insurance coverage offered by your employer, pre-existing circumstances may very well be lined from Day 1 with none ready interval or exclusion.
Queries answered by Subramanyam Brahmajosyula, head – Underwriting & Reinsurance, SBI General Insurance
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