Health Insurance

Yes, you should mention your past prediabetes condition while applying for health insurance. If you don't disclose this, it may lead to claim rejection.

After knowing your situation, your insurance may increase the premiums or add exclusions. Transparency prevents future issues and guarantees accurate coverage.

Yes, your father can still have health insurance. Most policies require a waiting period of 2-4 years for pre-existing conditions. In this waiting period, the claims may not be recovered.
Look into specialized plans like the Care Freedom Plan, Star Health’s Diabetes Safe, and Activ Health Platinum, which could offer immediate or partial coverage for your father even with a pre-existing health condition. 
You can explore Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY) as well. Thoroughly compare these options to select the most suitable plan.

The best health insurance depends on reputable companies, your needs, an easy claims process, coverage, premiums, and good hospitals; these are the basic requirements for selecting any health insurance.

ICICI Lombard Complete Health Insurance and Niva Bupa Health Companion are the best ones. ICICI Lombard Complete Health Insurance offers a wide range of coverage options, a swift claims process, and the convenience of a cashless facility.

Niva Bupa Health Companion provides excellent coverage for you and for your family and also offers an easy claims process.

Star Health Insurance, Niva Bupa Health Insurance, ManipalCigna ProHealth Insurance.

These are the best health insurance plans, which provide coverage for mental illness, cover pre- and post-hospitalization expenses, and cover therapy expenses as well. You can select the insurance according to your needs.

It’s very unfortunate that your insurance provider is rejecting your claim. Just do one thing, provide a complete appeal to your insurance provider, with all the necessary documents (medical test reports, prescriptions, medical bills, etc.).

If still they are rejecting your claim then, write an email with all the documents (policy purchase documents, payment proofs) and send to IRDAI. It is responsible for regulating the insurance industry in India.

Selecting the best health insurance for your parents that offers cashless and simple claim settlement services is very challenging. But here are a few of the of the best health insurances for you:

Tata AIG MediCare HDFC ERGO Senior Citizen Health Insurance Bajaj Allianz Senior Secure Star Health Senior Citizen Mediclaim

These are the best health insurance you can buy for your parents.

But I would suggest Star Health Senior Citizen Mediclaim and HDFC ERGO Senior Citizen Health Insurance, as both provide a wide range of hospitals, cashless claims, and an easy claim settlement process.

Hi
After a lot of research, I am interested in Aditya Birla Activ one health insurance. So I am planning to purchase Active One insurance from Policy Bazaar, which is costing me around Rs.3000 per month for ₹10 lakh coverage. My requirements seem to be met, like no room rent limits, pre- and post hospitalization coverage, etc. 
I just want to know whether it's good to proceed or not.
Thanks

In India, health insurance for senior citizens with pre-existing conditions is expensive. There are some good options for your diabetic mother. You should explore these options: Star Health, Aditya Birla Health Insurance, and Care Health Insurance. All these have pre-existing coverage policies.

But before choosing any insurance, it’s better to compare the plans (coverage, premiums, and a good network of hospitals) and then choose the suitable plan. For comparison, use the website Policybazaar.

Your needs will decide which insurance is suitable for you. But before opting for any insurance compare the plans from different companies and then choose accordingly. Thoroughly read all the terms and conditions as health insurance mainly depends on your age and your medical history. Here are some factors that you need to consider before buying health insurance:

Pre and Post hospitalization coverage, wide range of coverage, Easy claim process, Good network of hospitals, cashless health insurance plans, Add-on covers, and many more.

Some popular health insurance options are:

HDFC Ergo Optima Secure: Provides good coverage and network, pre and post-hospitalization coverage. It’s overall good. Star Health Assure: provides good wellness programs and gives you add-on cover options. Care Supreme: Provides family coverage with affordable options.