Insurance Regulatory and Development Authority (IRDA) to purchase insurance policies have been looking to do away with age.free 'is taken to make the move. This is just a "long life" had made it mandatory for renewal policies section. This means that once a health insurance policy is issued, during the lifetime of the policyholder to the insurance companies, such policies would be obliged to continue renewing. However, the entry age has been barrier.
Meanwhile, some general insurance companies already have an age-free "policy, the application is started. For example, Apollo Munich Insurance has applied such a policy a few months ago and is awaiting approval.
L & T Insurance, on the other hand, is an interesting version of the age of 70 after a lifetime permit renewal but the mandate is a co-donor. Even looking at ICICI Lombard is a life-long renewal policy.is. "GIC.
Other insurance companies follow suit, or their products in the portfolio are expected to add the required section. Currently, the existing health insurance plan is capped at the age of 65 years of age.
Contacted, IRDA chairman J Hari Narayan said that there are gaps, remove old entries about the discussion was. "However, as there are no concrete plans," he said.
However, the regulator is to see these products carefully. Apollo senior officials in Munich said that the first application was made at a time, IRDA sent it back with questions. Applicable to the product and are awaiting a response.
Most insurance companies, pricing policies, with the main issue remains. For a Rs 5 lakh cover for a 75-80 year age group, should not exceed 15 per cent of the premium covers.
As a result, 5 lakh policy (for individuals over 70 years) annually for the price is expected to be around Rs 60000-80000. In addition, certain conditions, be subject to individual's health. "For example, some may be out of covering existing chronic diseases," the officer said.
According to industry estimates, the health insurance business constitutes more than 25 percent of the general insurance industry. Over the last year, premiums have risen 25 per cent. This financial year from April to September 5540.34 crore during the health insurance premium collection of Rs 6721.53 crore rose 21.3 percent.
Articale source:-http://www.business-standard.com/india/news/age-barrier-for-health-policies-may-go/461515/
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