Hey guys please help me out here with health Insurance and hospitals.
I am a Software Engineer(Frontend), and currently,, I am giving interviews since the job market is tough, I am working as a freelancer.
My father has a tumour in his knee(detected in USG); the doctor has suggested an MRI and, based on that, maybe a Biopsy. Also, he has 2-3 lumps around the navel(not sure what it is as the doctor said first we will examine the knee since it is causing pain).
Please help me here with a few questions:
- Is corporate insurance covered from day one?
- If I join a company, will I be able to claim the insurance(the situation currently I am in)
- What else can be done to have the insurance, If I join a corporation?
- Is there any hidden health benefits, which I can claim against?
- What are the best hospitals in India if it tumour turns out to be cancerous?
- Is there any alternative way to treat this(I know if it is cancer than it's hard but still wanna know if any miracle can happen)
- What else I can do so expenses can be covered?
- Please share your knowledge in this regard.
Thank you, your help means a lot 🙏
One interview, 1000+ job opportunities
Take a 10-min AI interview to qualify for numerous real jobs auto-matched to your profile 🔑Sorry to hear about your father's health. Hope the tumor is benign. To answer your questions, I will help hou with whatever knowledge I have
-
Yes. Its covered but critical diseases like cancer, I doubt. Need to read the fine print .
-
Not all companies cover parents. Also not every company will get include pre-existing diseases
-
I am not sure if there is any insurance that covers pre existing diseases. You can connect with Ditto insurance or Beshak dor guidance.
-
I didn't get what you mean by hidden benefits. In insurance, only T&C are hidden, Not benefits.
-
Tata memorial does an excellent job and research. There could be others, but I am not aware.
-
No idea. You will findots of claims, but none proven
-
Crowd funding, connect with charitable hospitals or NGOs apart from increasing your income.
Thank you for your help! 4th point I mean like we get some health benefit against an FD policy or we get some kinda insurance with debit/credit cards
AFAIK the policies coverage has a-lot of fine prints. Please check of you have taken coverage for critical illness in your policy. Also, there is a cool off period after which the critical illness is covered under health insurance. Please check if the policy is over 2/3 years.
Is this post not reaching the grapevine community?