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This trend started a few years ago. And because these are daycare ailments, these are not detected on time and hence, medication is delayed. Also, it is difficult to establish if these are related to PED or not. Hence, these ailments are not covered for the first two years, says Mahavir Chopra, head of e-business at, a health insurance consultancy firm.

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Expand your Regular Health Cover with unique add-ons

The diabetes policy can be used as an add-on to your base health cover.It can be beneficial in the long run as such conditions are not covered by regular policies.You can treat it as a stopgap cover,until the waiting period for pre-existing diseases in your base policy expires, says Mahavir Chopra,head,ebusiness,,a health insurance consultancy firm.

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Five insurance covers you should have

“Portability will not work for older people or people with claims. That’s because for the new insurer, it will mean a higher risk and so the insurer may choose to not insure you at all,"says Mahavir Chopra, head, e-business and personal lines,, a health insurance portal.

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Health insurance portability still largely stuck

“If a porting customer has been covered by insurer A for 10 years, insurer B will be unwilling to provide all the facilities that have accrued to him, in terms of waiting periods and exclusions. No one will agree with this arrangement,”says Mahavir Chopra of

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IRDA asks health insurers for indicative premiums for five years on new products

"In the past, there have been instances where some insurance companies offered teaser (extremely low) premiums in the initial years to attract new customers and subsequently charged a much higher renewal premium," said Mahavir Chopra, head, e-business,, a health insurance advisory firm.

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