Page 145 - Ebook health insurance IC27

Sashi Publications

knows more things about himself than others, which is the main asymmetry of
health insurance from the insured's side.

The insurance company enters into an insurance contract to protect his health
related risks by trusting his statements in the proposal, assumed to be declared in
'Utmost Good Faith'. The following is an indicative list, which may vary from
company to company :
(i) Neurological diseases
(ii) Mental diseases
(iii) Paralysis
(iv) Fainting episodes/blackouts
(v) High Blood Pressure
(vi) Heart diseases including ischemic heart disease
(vii) Circulatory disorders
(viii) Diseases pertaining to uterus, ovaries etc
(ix) Fistula, Piles
(x) Opthalmological diseases like Cataract
(xi) Respiratory diseases
(xii) Allergic diseases
(xiii) Diabetes
(xiv) Cancer
(xv) Cerebral diseases like Paralytic Strokes etc
(xvi) Tuberculosis, AIDS/HIV etc.

Q6. Differentiate between the information asked in questionnaires related to
individual and group health insurance.

Ans. Thereare somedifferences between the questionnaires ofindividual health insurance
policies and group health insurance policies.

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