There are specific plans which you could go for that additionally cowl dental therapies, says rediffGURU Sanjib Jha.
Insurance coverage will be complicated, particularly since you find yourself paying hefty premiums and do not see any profit till catastrophe strikes.
After which there may be the superb print in every coverage which one must learn and perceive rigorously.
Do you’ve got questions on life insurance coverage? Medical insurance coverage? Auto insurance coverage? House insurance coverage?
You would ask rediffGURU Sanjib Jha.
Jha is the CEO of Coverfox Insurance coverage. His experience consists of life, well being and auto insurance coverage.
Ask rediffGURU Sanjib Jha your questions HERE.
Phani: Sir, I’m 65 years previous. Visiting USA for six months to be with my son.
I’m a cardiac affected person. Wish to find out about medical insurance coverage throughout my keep at USA which covers procedures like angioplasty/ coronary heart surgical procedure and premium if any.
Medical health insurance plans purchased in India are designed to cowl the insured for his or her well being bills throughout the nation itself.
Therefore, if you’re travelling to the USA, we’d advocate that you simply buy a journey coverage accordingly to cowl any medical emergencies.
Kamal: My LIC coverage premiums might be accomplished in 2024. Ought to I once more go along with LIC insurance policies or simply time period insurance coverage?
Hello Kamal, it is determined by the options that your LIC coverage supplies.
Time period insurance coverage is a pure danger cowl plan which protects your family members financially in case of a untimely demise.
Nameless: Howdy Sir, Not one of the medical insurance suppliers are providing medical insurance cowl to my partner who’s a breast most cancers survivor. I’ve tried with 4 suppliers and so they have all rejected it.
She had the ultimate surgical procedure on dec 2018 and common checks reveals that she is regular. Needed to examine if there may be any approach out right here?
I couldn’t take an insurance coverage earlier than as we had been exterior India and I had a neighborhood insurance coverage on that nation, now I’m again in India and I dont have a canopy.
Want your advise right here.
Hello, hope your spouse is doing properly.
The explanation insurers are rejecting your utility for a medical insurance plan to your spouse is as a result of her previous medical historical past is making her profile a high-risk profile.
Normally, well being insurers can supply plans however at a really excessive premium. That is the explanation that medical insurance is finest to be bought at an early age.
You’ll be able to strive firms with particular most cancers plans and legacy insurers.
Swati: Hello Sanjib, is there any specific motive why are dental therapies not lined underneath any insurance coverage?
I’ve my private Well being Insurance coverage and an organization GMC, however in each the insurance policies, dental procedures like Root canal and many others usually are not lined. Whereas the very fact is that dental procedures are one of the vital costly therapies within the medical world. And such therapies usually are not beauty therapies however necessary in case you have a cavity or if you wish to save your tooth.
Hello Swati.
Dental therapies are thought of as beauty therapies and therefore usually are not included in medical insurance.
Nonetheless, there are specific plans which you could go for that additionally cowl dental therapies.
The premiums right here might range in comparison with non-dental protection medical insurance insurance policies.
Sharad: Hello, I had invested in LIC coverage and paid premium for two years. Sadly, after that I ended paying premium, and coverage standing is exhibiting as lapsed now.
Can I get my cash paid for premium again? What’s the course of? Coverage was for interval of 15 years.
Hello Sharad.
Sadly once you cease paying your premiums, the coverage lapses.
In case your coverage has lapsed owing to non-payment of premiums on time, the phrases and circumstances of the coverage contract are null and void till you reinstate it.
A lapsed protection have to be reinstated by paying the amassed premiums with curiosity and offering the required well being info.
You’ll have to pay the premiums of the years missed after which the coverage will get revived.
Ask rediffGURU Sanjib Jha your questions HERE.
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