Health Insurance should be separated from General Insurance and should be associated with Life Insurance. The incidence of medical {Hospitalisation only}premium will be a continuous payment alongwith the due date for Life Insurance premium due date without grace period. A separate Capital Sum Assured can be fixed for the Health Insurance coverage. The age prescription will be at the commencement and not every year as in the case of a Mediclaim insurance of General Insurance Companies. If life policy gets matured and the option to continue with the Mediclaim portion a fixed amount can be deducted from the maturity amount and the medical cover can be continued. By this method an insured person is assured of health insurance till death. Proper loading or addional appreciation of the Sum Assured can be made based on individual's claims experience. This will avoid the controversial pre-existing disease exclusion clause. Even there can be a waiting period of two to three years for the Medical insurance policy to operate after commencement of the Life Insurance Policy. Good Faith and Utmost Good Faith can be maintained by both the insured and the insurer.
