My sister was suffering from cancer in 2004 and she got treated for it. She is disease-free now. She is 39 and I want to take a medical cover for her. Will the policy cover cancer too? Please suggest a good cashless health policy.As the doctors have declared your sister disease-free, she can opt for any cashless mediclaim with any insurer, which will insure her against any hospitalisation expenses that may arise in future. Please remember that all such schemes reimburse hospitalisation expenses for illness, diseases or injury sustained and exclude any disease existing before taking the policy. For taking a mediclaim policy, normally all general insurance companies conduct medical tests and require the insured to fill a questionnaire giving details of his previous medical history along with his family’s health history. In order to avoid any future problems, your sister must declare that she suffered from cancer. Normally, it will be classified as pre-existing unless you are able to satisfy the underwriters beyond doubt about the complete cure of the disease. If the underwriters are satisfied, they may extend cover to cancer too.
