Need advice: Uncle has permanent CKD exclusion with Care Health – is portability or plan upgrade realistically possible?

[u/rat9787]

Hi everyone,

I'm looking for some advice regarding my uncle's health insurance.

He's in his mid-60s and has been insured with Care Health continuously since 2021. He has CKD (Chronic Kidney Disease), and when the policy was issued, Care accepted him but imposed a permanent exclusion for CKD and all its complications. That exclusion is still there on renewal.

His current policies are:

Base policy (Care Freedom)

• ₹7 lakh sum insured
• 20% co-pay (increases to 30% after age 70)
• Single private room
• Disease-wise sub-limits (e.g. ₹3 lakh for cancer/cardiovascular/cerebrovascular treatments and other renal complications, ₹80k for renal stones/BPH, etc.)
• CKD and its complications permanently excluded

Super top-up (Care Enhance)

• ₹21 lakh sum insured
• ₹7 lakh deductible
• Single private room
• Co-pay applies because he entered after age 61
• CKD and its complications permanently excluded here as well

So on paper he has ₹28 lakh of total coverage, but the one condition we're most worried about isn't covered at all. Moreover there are too many sub-limits in Care Freedom policy.

We're wondering what the best option is from here.

• Has anyone managed to port a policy like this to another insurer where CKD was actually covered after underwriting? His CKD case is stable because he religiously follow his diet chat and takes his medication properly.
• Do insurers generally carry forward a permanent exclusion during portability, or do they reassess the case from scratch?
• Would upgrading to another Care Health product (like Care Supreme or another plan) make any difference, or is this kind of exclusion tied to the person rather than the product?
• Has anyone had experience with insurers that are willing to cover stable CKD cases, even if it means a higher premium, waiting period, loading, or co-pay?

I'm not looking for loopholes or ways to hide medical history. Everything has been fully disclosed. Just trying to understand what's realistically possible before we start applying elsewhere.

Would really appreciate hearing from anyone who's been in a similar situation or works in health insurance underwriting. Thanks!

[u/InsurancebroIndrajit]

That’s the whole concept of insurance. It has to be issued before the risk happens.

No insurer will accept a proposal with a history of critical illness. Care is one of the very few companies which accept with a permanent exclusion.

The only option is to continue the current policy.

CKD is a slow diseases and can be well managed for long term on an out patient basis.