Dieseases…eligibility

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?

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8 Responses to Dieseases…eligibility

  1. i’m feeling sick at this news….oh! let me check my insurance copy to know whether my ailment is anything off these!!! πŸ˜€

  2. Veena says:

    In fact, many of the common people do undergo surgeries mentioned above and whats the point in going for insurance then…?

  3. Srik,
    Yes, and you are going to discover many things when you read that final print – including not understanding many terms!!!

    Veena,
    Think you have observed it rightly. Insurance is mostly assurance – you never know until the approval of company is given for cashless admissions too. Its criminal offence for insurance company to deny some diseases while most people who brought it are under false impressions.

  4. neel3 says:

    I have purchased………..the hand lens.

  5. Neel3,
    πŸ™‚ Worthy investment for many reasons!

  6. bachodi says:

    Devrane … enoo artha aglilla 😦

  7. Bach,
    You can insure yourself under a medi claim policy where in for a fixed premium every year based on amount limits decided by you, your medical bills will be automatically paid by the insurance compay if you happen to get admitted to hospital. This facility in its fine print prohibits the above listed diseases due to which you may feel that you are 100% insured but company negeates the above standard list of diseases.

  8. Very nice blog, I really love your article, keep up the great writing. Many people do not write very good articles on their blogs. You have done a fantastic job though. Interesting article as well.

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