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Do Pre-Existing Conditions Affect Health Insurance


One vital thing to know before you buy health insurance is to see whether you have any pre-existing medical condition which can impact the policy. A pre-existing condition could range from something serious such as cancer, high BP, diabetes to something less serious such as acne. It is tough for someone who is suffering from a pre-existing medical condition to get health insurance because they are likely to need frequent and expensive medical treatment, and as such, the insurance company would find it a costly proposal to insure such a person.

Some things to keep in mind when you plan to buy health insurance are:

Considering this rider about pre-existing medical conditions, it would be prudent for you to remember certain things while purchasing a health insurance policy:

  1. Different insurance companies have different policies: The plans from different insurance companies can be very different when it comes to pre-existing medical conditions. Depending on the severity of the pre-existing medical condition, different insurance companies may charge different premiums, and may or may not cover the existing condition in the policy. However, all companies are sure to charge an extra premium for pre-existing medical conditions, while some companies may even refuse to grant you a health insurance policy.

  2. Not all visits to a doctor indicate a pre-existing medical condition: You may visit a doctor for seasonal diseases such as a cold or a viral fever, but it does not suggest that you have a pre-existing medical condition. Health insurance companies only look at the long-term effects that your condition can have on your health before they decide to give you a health insurance policy, and if so, on what terms.

  3. Hiding a pre-existing medical condition is imprudent: It is not wise to withhold information such as a pre-existing medical condition from the health insurance company, because if they find out later about it, at the time of settlement of claims, unwanted and bitter disputes may arise. So, playing it straight is the best thing to do.

  4. It is not impossible to get health insurance even if you have a pre-existing medical condition: Many people falsely believe that it would be impossible for them to get a health insurance policy if they have a pre-existing medical condition. However, with intense competition in the area, many insurance companies do provide health insurance but insist on a waiting period after which the coverage would come into effect. You may also get a health insurance policy which covers everything else except the pre-existing condition.

When you decide to buy health insurance make sure that you check out the plans offered by Bharti AXA.

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