Q: My sister-in-law recently underwent angiography and angioplasty. What medical insurance policy can she undertake?

A:Once having been detected with an ailment, no insurance cover will cover such a condition. Some policies recently introduced in the market do cover such ailments after a moratorium period (typically more than 2 years). In the intervening period there should be no hospitalisation due to this ailment. Considering the recent judgements of the courts especially the high courts and consumer courts, the insurance companies are expected to be more choosy giving insurance cover for such people due to the expected adverse claims experience. In the meanwhile, I recommend that you look up the Silver Plan offered by Bajaj Allianz General insurance company.