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Raja
24-10-2011, 03:57 PM
I have taken a family floater health insurance policy for my wife and son. Now I have a query - If I include my parent in 5th year of the policy, will I get claim for their pre existing disease immediately?
LastWarrior
24-10-2011, 05:54 PM
No, Your parents need to wait for another four years.
Master
25-10-2011, 03:08 PM
I have taken a family floater health insurance policy for my wife and son. Now I have a query - If I include my parent in 5th year of the policy, will I get claim for their pre existing disease immediately?
The pre-existing coverage waiting period is for each individual as and when he joins the individual or family floater health insurance. For group health insurance, it will start after 30-60 days waiting period as mentioned in the policy document.