Health insurance advice. My sister has a autoimmune disease.
Hi everyone,
I am looking for urgent advice on a health insurance policy for my sister. She is 25 years old.We have recently majored in a roadblock regarding her treatment cost.
Medical history and context :
Initial diagnosis: in 2021 mctd with sle.
Progression: in june 2026 she has major critical condition pulmonary arterial hypertension, ild, lupus nephritis, hyperbilirubanic anemia.
Current diagnosis: she is in long term medication and long period of hospitalization.
Financial problem/ insurance problem:
Insurance problem:Every insurance has a waiting period for ped.
Treatment: she needs to cover medicine and hospitalization charges.
What I am looking for:
Low waiting period: are there any specific policies which have a low waiting period? May be 30 days or immediately?
My questions:
How can I proceed with this kind of condition?
I never had any kind of insurance in my family.
What should I specifically look for in insurance?
Should I take critical care insurance?
Which company provides the best insurance in india?
Has anyone with long term condition like this successfully used ped reduction for immediate claim for auto immune disease?
Any leads on specific plans, who handle this kind of condition that would be huge help. Thank you in advance.