u/Which-Advantage-1516

I’m trying to get a retail health insurance policy for a parent who currently has no personal health insurance but is covered under a corporate group policy.
An insurer initially declined the proposal due to a known history of CKD, but after submitting recent medical reports, they have now issued a counter-offer:
Sum insured: ₹10 lakh
Original quoted premium: ₹36,301
Revised premium after underwriting: ₹52,157
Additional premium: ₹15,856 (~44% increase)
20% co-pay
₹1.25 lakh annual sub-limit for CKD/renal failure and related complications
Some other existing conditions have been accepted with Day-1 coverage.
My main concern is the ₹1.25 lakh CKD sub-limit, given that the overall cover is ₹10 lakh.
Has anyone successfully negotiated with an insurer to increase/remove a medical-condition sub-limit after receiving a counter-offer? Would it be reasonable to ask them to increase the CKD limit even if it means paying a higher premium?
Would appreciate experiences from anyone who has dealt with a similar underwriting situation.

I’m trying to get a retail health insurance policy for a parent who currently has no personal health insurance but is covered under a corporate group policy.
An insurer initially declined the proposal due to a known history of CKD, but after submitting recent medical reports, they have now issued a counter-offer:
Sum insured: ₹10 lakh
Original quoted premium: ₹36,301
Revised premium after underwriting: ₹52,157
Additional premium: ₹15,856 (~44% increase)
20% co-pay
₹1.25 lakh annual sub-limit for CKD/renal failure and related complications
Some other existing conditions have been accepted with Day-1 coverage.
My main concern is the ₹1.25 lakh CKD sub-limit, given that the overall cover is ₹10 lakh.
Has anyone successfully negotiated with an insurer to increase/remove a medical-condition sub-limit after receiving a counter-offer? Would it be reasonable to ask them to increase the CKD limit even if it means paying a higher premium?
Would appreciate experiences from anyone who has dealt with a similar underwriting situation.

I’m trying to get a retail health insurance policy for a parent who currently has no personal health insurance but is covered under a corporate group policy.
An insurer initially declined the proposal due to a known history of CKD, but after submitting recent medical reports, they have now issued a counter-offer:
Sum insured: ₹10 lakh
Original quoted premium: ₹36,301
Revised premium after underwriting: ₹52,157
Additional premium: ₹15,856 (~44% increase)
20% co-pay
₹1.25 lakh annual sub-limit for CKD/renal failure and related complications
Some other existing conditions have been accepted with Day-1 coverage.
My main concern is the ₹1.25 lakh CKD sub-limit, given that the overall cover is ₹10 lakh.
Has anyone successfully negotiated with an insurer to increase/remove a medical-condition sub-limit after receiving a counter-offer? Would it be reasonable to ask them to increase the CKD limit even if it means paying a higher premium?
Would appreciate experiences from anyone who has dealt with a similar underwriting situation.

I’m trying to get a retail health insurance policy for a parent who currently has no personal health insurance but is covered under a corporate group policy.
An insurer initially declined the proposal due to a known history of CKD, but after submitting recent medical reports, they have now issued a counter-offer:
Sum insured: ₹10 lakh
Original quoted premium: ₹36,301
Revised premium after underwriting: ₹52,157
Additional premium: ₹15,856 (~44% increase)
20% co-pay
₹1.25 lakh annual sub-limit for CKD/renal failure and related complications
Some other existing conditions have been accepted with Day-1 coverage.
My main concern is the ₹1.25 lakh CKD sub-limit, given that the overall cover is ₹10 lakh.
Has anyone successfully negotiated with an insurer to increase/remove a medical-condition sub-limit after receiving a counter-offer? Would it be reasonable to ask them to increase the CKD limit even if it means paying a higher premium?
Would appreciate experiences from anyone who has dealt with a similar underwriting situation.

I am planning to get a retail health insurance policy for my mother alongside my employer’s group health insurance.

Unfortunately, before I could do so, she was diagnosed with CKD while covered under the group policy. A retail policy proposal has now been declined because of her condition.

My question is:

if I continue the group cover until I leave my job and then opt to migrate to an individual retail policy with the same insurer:

1.Will her CKD continue to be covered from day one?

2.Will the insurer do fresh underwriting and have the right to reject the migration because of her CKD?

3.Can they impose a fresh waiting period or exclude CKD, or will continuity benefits apply?

I would appreciate hearing from anyone who has gone through a similar situation or has firsthand experience with group-to-retail migration.

I am planning to get a retail health insurance policy for my mother alongside my employer’s group health insurance.

Unfortunately, before I could do so, she was diagnosed with CKD while covered under the group policy. A retail policy proposal has now been declined because of her condition.

My question is:

if I continue the group cover until I leave my job and then opt to migrate to an individual retail policy with the same insurer:

1.Will her CKD continue to be covered from day one?

2.Will the insurer do fresh underwriting and have the right to reject the migration because of her CKD?

3.Can they impose a fresh waiting period or exclude CKD, or will continuity benefits apply?

I would appreciate hearing from anyone who has gone through a similar situation or has firsthand experience with group-to-retail migration.

I am planning to get a retail health insurance policy for my mother alongside my employer’s group health insurance.

Unfortunately, before I could do so, she was diagnosed with CKD while covered under the group policy. A retail policy proposal has now been declined because of her condition.

My question is:

if I continue the group cover until I leave my job and then opt to migrate to an individual retail policy with the same insurer:

1.Will her CKD continue to be covered from day one?

2.Will the insurer do fresh underwriting and have the right to reject the migration because of her CKD?

3.Can they impose a fresh waiting period or exclude CKD, or will continuity benefits apply?

I would appreciate hearing from anyone who has gone through a similar situation or has firsthand experience with group-to-retail migration.