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While buying a mediclaim policy, you have to be honest enough to declare all your pre-existing illnesses. These illnesses need not be your usual fever, flu, or headaches. However, if in past you have ever been diagnosed with any disease, birth defects, undergone surgery, or cancer of any severity it is important to inform your medical insurance company. Because, many ailments are listed under permanentexclusion, few are covered with a waiting period and few others are covered by charging additional premium with a waiting period. Also Read : Should you disclose pre-existing illnesses while buying health insurance?

Cashless hospitalisation is a procedure in which the policyholder doesn't have to pay medical expenses out of his pocket in case they are admitted to a hospital or have undergone a surgery. However, there are certain deductibles or non medical expenses at the time of discharge, which are not included in the policy terms, have to be paid at the time of discharge.

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In case you have to undergo a surgery, there are certain pre hospitalization expenses such as diagnosis cost, consultations etc Likewise, post the surgery, there could be expenses to monitor the health of the policyholder. These expenses are known as pre and post hospitalization expenses.

I am in a bit of a tight spot and could do with some expert assistance. I am a 45 year old man with a service background. On March 31, 2023, I availed of a health insurance policy viz: HDFC Ergo Optima Super Secure through an agent. While filling out the proposal form, i mentioned all preexisting diseases (Hypertension and Cholestrol) known to me but forgot to mention that i am also taking vitamin supplements for Vitamin D and Vitamin B12 deficiency; both of which are slightly below normal levels as per a recent help check up.

You can visit the nearest branch office of HDFC ERGO and apply for a travel insurance policy for the USA. You would have to fill up a proposal form and submit it to the company with the premium amount. The company would underwrite the policy and issue it post successful underwriting.

As such, it is not mandatory to buy a medical travel insurance plan when visiting the USA. That being said, the medical expenses in the USA are quite expensive. A simple hospitalization can amount to lakhs and if you undergo any treatment, the medical bills can be considerable. When you are travelling to the USA, you cannot predict medical emergencies. You might fall ill or injure yourself requiring hospitalization. In such situations,the medical bills can blow a hole in your pockets. Your savings might be drained and you might also have to avail of a loan to pay for the expensive treatments taken in the USA. As such, you might suffer considerable financial losses which, in the absence of a medical travel insurance plan, might be distressing.

If you undergo treatment for pre-existing diseases during the travel insurance policy period, medical expenses for the same are not covered by the travel insurance policy. However, any medical condition that is diagnosed after purchasing the travel insurance policy will be covered. It is important to disclose all your health-related information at the time of purchasing the travel insurance policy to not face any claim rejections during the trip.

The exact amount of the extension premium depends on many factors like the period of extension, the destination of the trip, the number of people covered, and other aspects of the cover. Simply put, it varies on a case-to-case basis.

To extend your policy, you can visit this link. Alternatively, you could als send a mail to us at care@hdfcergo.com. You will receive a response from our end, detailing the procedure and giving you the details of the additional premium to be paid.

Yes, you can opt for AC single room with Optima Secure plan. We let you choose AC single room for undergoing treatment/surgery at any hospital. You can avail this facility on a cashless basis if you are hospitalised at a network hospital. There is also no disease capping either. You can undergo treatment for any disease and make use of your sum insured. You need not worry about room rent at the time of hospitalisation as we want you to undergo quality treatment without any worry. ff782bc1db