Achi news desk-
New Delhi6 hours ago
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Now people of all ages will be able to get health insurance as the Insurance Regulatory Development Authority of India (IRDAI) has changed the health insurance policy rules and removed the maximum age limit. Earlier the maximum age limit for health insurance was 65 years.
The new rules of IRDAI have been implemented from 1st April 2024. According to the new rule, now every person of any age is eligible to purchase health insurance. Not only that, even seriously ill patients will now be able to take out the policy. This means that people suffering from serious diseases such as cancer and AIDS will also be able to take out health insurance.
People suffering from diseases such as cancer and AIDS will also be able to take the policy
According to the new rules, the insurance companies will not be able to reject any insurance claim of the customer based on non-disclosure and deception regarding the existing situation after 60 consecutive months of coverage.
Apart from this, companies will also have to bring insurance policies according to the people who are already suffering from any disease. Also, they will not be able to refuse health insurance to people suffering from serious diseases such as cancer, heart, kidney and AIDS.
The waiting period for diseases is reduced
The new update to the health insurance rules focuses on reducing the waiting period for the insured and improving the conditions for settling the claim.
The waiting period for diseases was reduced from 8 years to 5 years, when the waiting period for existing conditions was also reduced. The freeze period was 8 years until March 31, 2024, which they will now be eligible for within 6 years.
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40.5 million of the country’s residents do not have health insurance: consideration of doubling treatment expenses within the Ayushman Yojana, a decision may be made in the interim budget.
The central government is preparing to expand the Ayushman scheme. This will happen in two ways. First, the help provided for treatment under this program is 5 lakh rupees. rose from Rs 10 lakh. can be done
Second, those 40 million people who currently do not have health insurance can also be included in the scope of this plan. Currently, the target is to cover a total of 60 million people (12 families) under the Ayushman scheme, which has not yet been achieved.
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