If a person has ‘loss of speech’ due to mental illness, then he will be considered under the purview of critical illness, whereas he was excluded earlier. Complete speech loss or non-curable speech loss has also been included in critical illness.
Insurance regulator IRDA has made some changes in the rules of health insurance. The rules of 3 diseases including cancer have been changed. It has been told in the new rule that when cancer will be considered a disease.
Accordingly, the rule of covering cancer has also been changed. In the new rule, the clause containing HIV and psychological impact has been excluded. Tumors and multiple cirrhosis have been considered as critical illnesses. Leukemia, Lymphoma and Sarcoma are covered in the cancer policy. Next time whenever you take health insurance for critical illness , read its terms once, otherwise you may regret it later.
The new rules are related to critical illness. Earlier the rule was that if a tumor is associated with HIV, then it will not be covered with critical illness. That is, if a patient has HIV infection and also has cancer, then he will not be covered in the health insurance of critical illness.
The word HIV has been removed in the new circular of IRDA. If a person has ‘loss of speech’ due to mental illness, then he will be considered under the purview of critical illness, whereas he was excluded earlier. Complete speech loss or non-curable speech loss has also been included in critical illness.
Note before taking policy
Looking at the new rules, the next time you take any critical illness insurance, then it is necessary to read the term and condition once. People think that they have a health cover of 25-50 lakhs, but at the time of treatment, if they come to know that their disease is out of cover, then the problem will increase. The only way to avoid this is that while taking the policy, know carefully which diseases will be covered and which will not.
The Insurance Regulatory and Development Authority of India (IRDAI) has earlier changed the rules for ‘Pre-Existing Diseases’. Its new rules were told in the year 2020. If a policyholder is diagnosed for a disease within three months of taking a health insurance policy, he/she will not be treated as a pre-existing disease. Due to the change in the rule, the policyholder has benefited a lot. If a disease comes in a pre-existing disease, then the insurance company can reject the claim, increase the premium. Even the company can terminate the policy.
Changes in the rule of pre-existing disease
There is also a different category in pre-existing diseases. If the policyholder has any illness at the time of taking the policy, then it will be considered in pre-existing. If the policyholder had a disease before 48 months before taking the next policy, but he got treated, then that disease is kept in the pre-existing disease.
If a person gets diagnosed with any disease within 3 months of taking the policy, then he/she will be considered as pre-existing. Suppose a person has a heart blockage or a complaint of diabetes within three months of taking the policy, then he will be considered in pre-existing disease. Later this rule was changed and this type of condition was taken out of pre-existing diseases.
