Answer Book question
They can decline, load the premium, or accept with a waiting period and exclusions. Well-controlled Type 2 diabetes without complications is widely insurable today, usually with a loaded premium and a pre-existing waiting period. Diabetes with kidney, eye or cardiac complications is harder. Declare it fully; undeclared diabetes is the surest way to a rejected claim later.
They can decline, load the premium, or accept with a waiting period and exclusions. Well-controlled Type 2 diabetes without complications is widely insurable today, usually with a loaded premium and a pre-existing waiting period. Diabetes with kidney, eye or cardiac complications is harder. Declare it fully; undeclared diabetes is the surest way to a rejected claim later.
A 48-year-old in Thrissur with HbA1c of 6.8 on metformin applies to three insurers. One declines. One accepts with a 25 percent loading and three-year pre-existing wait. One accepts at standard rates under a diabetes-specific plan with a one-year wait. The difference is product choice, not his health.
Underwriting assesses the probability and cost of future claims. Diabetes raises both, so insurers price it. Some offer plans designed for diabetics with shorter waits and wellness conditions. A declination from one insurer is not a verdict; it is one company's appetite.
Latest HbA1c and any complications Medications and duration of diagnosis Whether the insurer has a diabetes-specific plan Loading percentage and waiting period offered Permanent exclusions, if any
Applying to one insurer, being declined, and giving up. Underwriting appetites differ widely.
Kerala has among India's highest diabetes prevalence. Insurers know this; several plans are marketed here specifically. Compare before assuming you are uninsurable.
Three quotes for the same person: declined / ₹31,000 with 3-yr wait / ₹24,000 with 1-yr wait. The third is the obvious choice.
If you have advanced complications, the private-insurance route may be closed or uneconomic; KASP whether you may qualify and a medical reserve become the realistic protection.
Get recent test reports together Apply to at least three insurers including a diabetes-specific plan Declare everything
What is a waiting period? My parents are 70. Can they still get insurance?
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IRDAI health insurance regulations and consumer guidance · Your policy wording and schedule · Karunya Arogya Suraksha Padhathi (KASP) / PM-JAY guidelines for whether you may qualify Rates, limits and whether you may qualify change. Confirm with the official source. Ask Kerala Rising: Send us the policy schedule and the ages of everyone covered. We will tell you what the policy actually pays, what it does not, and whether a large bill would be survivable. WhatsApp +1 443 595 9000 · keralarising.com Kerala Rising › Money › Health insurance · Health 11
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