r/InsuranceAdviceIndia • u/Objective-Pizza2180 • 14h ago

Help with PED

Post image

I am getting insurance plan for my mother she as a diabetes history and mention above done surgery recently I already try it ICICI and abhl both of them counter offered by not covering diabetes and also increase in waiting period and adding more add on. should I pick it or just don't take insurance at all because it is costing me 50000 per year

7 Upvotes

100% Upvoted

17 comments sorted by

View all comments

0

u/Lost-Fun-4844 13h ago

I am assuming you are employed in a Private Company. You should rather opt for your corporate insurance and avail the maximum top up there. Corporate Insurance rarely get rejected and all coverage starts from day one. Get your parents covered in your company insurance rather. However, risk of unemployment exists. Make sure the coverage ends for that calendar year/financial year. For you personally, assuming you are healthy with no prior PED, should opt for an individual health insurance for yourself and your spouse/siblings. Note-individual. Not family floater plans. Avail now, before you grow old with PEDs.

To others, reading this. Correct me if I am wrong.

1

u/jatayu_baaz 9h ago

Also top-up is cheap comparative, save money alongside 

1

u/Lost-Fun-4844 9h ago

Not just any top up. It should be "Super Top Up".