Q: My 23 years old daughter is suffering from thalassaemia. Is there any health insurance policy for a thalassaemia patient?

A:In general, all health insurance policies exclude (not cover) pre-existing ailments for a specific period of time (vary from 2-4 years among various Insurance companies). United India General Insurance - Mediclaim Policy Platinum for individual is one among them which provides the best cover. But in all cases, disclose the complete and correct medical detail for proper policy underwriting. You can make a specific inquiry with insurance companies on their Pre-Existing Disease (PED) clause and term after which these ailments will be covered. It is always better to disclose the complete medical information to Insurer and wait for some time to claim under plan benefit.