Q: I am suffering from diabetes, which is under control with diet restriction and drugs. I underwent angioplasty 4 years ago after which I feel quite comfortable. Will the overseas mediclaim policy cover these conditions?

A:Normally health insurance policies do not cover pre existing diseases or any disease, the symptoms of which are accelerated by any pre existing conditions viz. diabetes. Especially for people above 45 years of age wanting to take a policy, it is stipulated that they undergo a series of tests and a certification by a doctor, no less than an MD, to ensure that all pre existing diseases are disclosed.