Pet Insurance In The Uk
Health Insurance For Senior Citizens In India
Very few companies in India provide health care rewards to senior citizens, as the risk of covering their clinical expenditure is very high.
This is a basic Mediclaim but for senior citizens. However there would be a lot of exceptions and moreover acquiring the claim will not be easier. In this case, the clause for Non-Disclosure or Misrepresentation would be considered strictly.
Under Section 45 of Insurance Act 1938 states that if the company comes to know that there is a Non Disclosure or else Misrepresentation of Material Fact, then the company can call the policy null and furthermore void ab initio. It means that if the company comes to know that the policyholder has lied or has not disclosed any important information, required for assessing the risk of the individual, then the policy can be canceled from the beginning and furthermore the claim can be renounced!
Therefore, in this type of policy, one has to be really strict regarding revealing all relevant information, whether inquired or not. Usually in Senior Citizen Health Insurance the Mediclaim insure is not more than a lakh or so. It more or even less suffices for an individual persons hospital care expenses for a year. In several cases moreover preexisting diseases are insured after several years of continuation.
Some insurance policies also cover Critical Illness at an extra premium.
* Diseases covered under Critical Illnesses are as follows:
* Coronary Artery Surgery
* Cancer
* Renal Failure i.e. Failure for both kidneys
* Stroke
* Multiple Sclerosis
* Major Organ Transplants like kidney, Lung, Pancreas or Bone marrow
* Paralysis and blindness
There are various companies that provide insurance for senior citizens, although one very good example of Senior Citizen insurance is Varistha Plan from National Insurance.
To find more you can check Insurance Comparison website such as MyInsuranceClub.com that allows you to assess
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