Written By: Pavitra Sampath | Updated : May 1, 2014 7:36 PM IST
Hi. I wanted to buy a health insurance policy for my brother aged 36 years. While buying the policy, I was asked about my brother's qualification. I mentioned that he had not studied because of his low IQ. But the insurance company refused to cover my brother under the policy. Later, I was told to submit all his health reports, which i did. Then the insurance company asked for my brother's IQ test. I have submitted all document and reports but they have rejected my application. Do all insurance companies refuse to give health insurance for people with less IQ ? How should I proceed further in this matter? Please help
It all depends on what exactly do you mean by a 'low IQ'. Does your brother suffer from a developmental problem like mental disabilities or cerebral palsy? If so, an insurance company will not cover your brother since he has what is termed as a 'pre-existing condition'. This is because people with this problem, tend to have chronic or long term health conditions and are not medically fit while taking the insurance policy. If you do want to take a health insurance for your brother please opt for policies that have a waver or waiting time before covering patients with pre-existing conditions. Please be aware that in case of certain illnesses insurance companies will not cover your brother. In that case your only option is to either find an NGO that cares for people with this disability or collect money for his future, possible medical treatments.
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