Non-disclosure of medical details, failure to meet policy terms (e.g., waiting periods), or withholding pre-existing conditions like hypertension or heart issues can result in claim rejection
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For a family of four living in a metro, it is recommended to opt for a family floater health insurance plan with a sum insured of at least Rs 15-20 lakh
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Critical illness plans provide a lump sum payout on diagnosis of specific life-threatening conditions like cancer, heart attack or kidney failures
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To ensure health insurance remains affordable for seniors while providing comprehensive coverage, insurers have introduced more modular plans, allowing customers to decide the premium they want to pay
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Depending on the policy, the alternatives for EMI payment duration for your health insurance policy may differ; however, most health insurance plans commonly offer annual, half-yearly, quarterly and monthly EMI options
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With health insurance premiums rising rapidly, it is becoming unaffordable, especially for senior citizens
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Certain changes made to health insurance rules by IRDAI like shortening of waiting periods and asking insurers to cover people of all ages may lead to an increase in premium, especially for senior citizens
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