India is home to the largest number of diabetics and heart patients in the world. Consequently, a large section of the population does not have easy access to health cover. While group schemes insure such diseases, getting cover is a grey area for individuals. The Insurance Regulatory and Development Authority of India (Irdai) has proposed permitting permanent exclusions for some diseases so that individuals can obtain health insurance for unrelated illnesses.
“Many who have undergone c ..