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All You Need to Know About Pre-Existing Disease Coverage in Health Plans

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Increasing medical costs coupled with our sedentary lifestyle and risk of falling sick, it is safe to say that having a health insurance cover in today’s time is beyond mandatory. If you are looking to buy health insurance for yourself or someone who has a pre-existing disease, then you must be extra careful while picking your health insurance policy. There are specific terms and conditions for pre-existing diseases which, if not read and understood correctly, could leave you disappointed.

FOR ALL THOSE WHO ARE WONDERING WHAT EXACTLY PRE-EXISTING DISEASES ARE, HERE’S THE ANSWER:

Any medical condition that the insurer has before and at the time of purchasing health insurance is considered as a pre-existing disease. Moreover, past surgeries or hospitalization, symptoms such as hypertension, obesity, etc. are also counted under pre-existing illness.

ARE PRE-EXISTING DISEASES COVERED UNDER STANDARD HEALTH INSURANCE?

Yes, pre-existing illnesses are covered under most of the standard health insurance policies. However, it depends upon the clauses of every health insurance policy.

Most of the policies have a waiting period that ranges between 2 to 4 years. This translates to if you have a pre-existing disease, your policy will include it only after the stipulated waiting period.

WHAT TYPES OF DISEASES ARE COVERED UNDER EXISTING ILLNESS?

The list varies from insurer to insurer. However, some of the typical illnesses that are included in this list are an eye problem, skin disorders, diabetics, heart disease, hypertension, etc. What’s important is that any medical condition that arises out of pre-existing illnesses will also be covered after the waiting period.

IS IT WORTH PURCHASING HEALTH INSURANCE IF YOU ALREADY ARE SUFFERING FROM AN ILLNESS?

Yes, health insurance policies protect you and your loved ones from fatal diseases, while ensuring your financial roots remain strong and unshaken.

Select your ideal health insurance plan online at Bharti AXA GI . Visit our website, follow five simple steps and have your health insurance policy delivered in your mailbox.

If you have questions regarding health insurance or pre-existing medical illnesses’ terms and conditions, feel free to speak to our experts now.

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