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Smart Tips When Opting For Health Insurance Plan For Pre-Existing Diseases


Higher life expectancy, increasing medical costs and the rising number of diseases – make medical insurance an absolute necessity for planning a stress-free life.

Ideally one should start with health insurance at the earliest possible age – at least by 25 if possible, when more often than not – one hasn’t acquired these illnesses or diseases that impact the quality of life.

Let’s see which diseases are classified as pre-existing diseases subject to conditions:

A pre-existing problem means one that existed before the policy was taken. This includes diseases where you have had signs or symptoms, and/or were diagnosed, and/or received medical advice/treatment within 48 months prior to the first policy issued by the insurer.
Diseases or health problems such as asthma, diabetes, low or high blood pressure, lupus, epilepsy or cancer are all subject to the condition if they pre-date the policy by a specified period. This is not an exhaustive list – always consult the policy document and read all the conditions specified.

Should You Disclose A Pre-Existing Condition?

Yes – always. Most insurers conduct medical tests before providing insurance. Even if they don’t, in the future if the illness is found to be due to an undisclosed medical condition – the insurance payment can legitimately be refused by the insurer – leaving you in a financial lurch.

What Is Waiting Period?

The Waiting period is an important term relevant to someone who is seeking insurance cover and has a pre-existing condition. The Waiting period is the number of years during which the insured will not be covered for the illnesses arising out of pre-existing conditions even after taking the insurance. Most often this period is 4 years. Other illnesses unrelated to the pre-existing one are meanwhile covered by the said insurance policy even during the waiting period.

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