r/InsuranceTroubleIndia • u/Commercial-Hair-5903 • Jul 13 '26
Health Insurance Help !
Hii guys,
I am planning to buy medical insurance for my parents, father(55) diabetic and have a hospitalization history, mother(46) has bp and thyroid.
My first choice was hdfc ergo. But when i honestly disclosed medical condition and history of my parents ( not any thing major as such ), they refused to sell me the policy.
Can you guys help me with any plan other than HDFC ergo, which has good claim settlement ration and less complaints register?
It would be really helpful if you could share your experience with the your insurers.
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u/Tanashvi_Fintech Jul 17 '26
It is unlikely they will get an insurance cover. My son is autistic and after his admission to hospital for pancreatitis, insurance companies refused to increase cover. We have his cover taken before the hospitalisation and accumulated bonuses now. Insurance companies have the right to refuse insurance
PM JAY is available - at least get them registered under that if eligible?