In my quest to insure self and family against medical excigencies, I undertook a mini audit of all possible health insurance companies. It was a strange thing that I found the following list of diseases will be excluded from the policy irrespective of ones health status.
Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia, Fibromyoma, Hernia, Hydrocele, Congenital Internal Diseases, Fistula in Anus, Piles, Sinusitis
Not that I could understand much of the diseases except a couple of the names but what was astonishing is that allmost all the companies had the same general set of diseases. I understand that Insurance Regulatory Development Authority (IRDA) has approved these lists but this would have stemmed from some medical research pending which all of them would not take notice and include in exclusions right?
So, folks, here is the list we are most probably going to suffer/die from than other diseases OR is there something more than that strikes the eye?