I am planning to take a health insurance policy for my parents. I also want to know which insurance company will claim the disk prolapse operation? Because my dad is suffering from disk back pain. I’d like to take such a plan. I am from pune. Working in software industry. My company is not providing for total family, but providing for me.
If you do buy a private plan, you father would most likely have to wait out a pre-existing clause exemption. This means he may have to wait a year or two before any surgery, or any medical care related to his back for that matter, would be covered. However, since you are not protected by the statutes of a group policy (those policies offered by an employer are often much more liberal), there is a possibility that anything ever related to his back would NOT be covered. This prevents people from buying insurance just to get covered for an expensive procedure and then ditching the coverage afterwards.
Aside from that, just about any major medical plan will cover back surgery, but for how much and under what limitations are going to depend on the personal provisions you elect to pay for in the policy. For someone with a known medical condition, I’d expect to pay well over $1,000 a month (probably close to 2) for his coverage on a good, private policy, and then have to wait a year or two to wait out any pre-existing clauses.
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2 Responses
brilock1
2010 Feb 22 1existing medical conditions are not covered by the insurance companies.
References :
mistify
2010 Feb 22 2If you do buy a private plan, you father would most likely have to wait out a pre-existing clause exemption. This means he may have to wait a year or two before any surgery, or any medical care related to his back for that matter, would be covered. However, since you are not protected by the statutes of a group policy (those policies offered by an employer are often much more liberal), there is a possibility that anything ever related to his back would NOT be covered. This prevents people from buying insurance just to get covered for an expensive procedure and then ditching the coverage afterwards.
Aside from that, just about any major medical plan will cover back surgery, but for how much and under what limitations are going to depend on the personal provisions you elect to pay for in the policy. For someone with a known medical condition, I’d expect to pay well over $1,000 a month (probably close to 2) for his coverage on a good, private policy, and then have to wait a year or two to wait out any pre-existing clauses.
References :
I am a healthcare professional.
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