What is Pre-Existing Condition in Health Insurance | Bharti AXA

Car Insurance

Bharti AXA provides a comprehensive cover for your car,so you can drive hassle-free.

Two Wheeler Insurance

Ride worry-free, with Bharti AXA two wheeler insurance plan. 

Health Insurance

Safeguard the health of your loved ones with a wide range of Bharti AXA health insurance plans.

Travel Insurance

Secure your joyous family trips with Bharti AXA international travel insurance cover.

Bharti AXA Home Insurance

Bharti AXA Home Insurance

Bharti AXA SME Package Insurance

Bharti AXA SME Package Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Motor Third Party Insurance - Commercial

Bharti AXA Motor Third Party Insurance - Commercial

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Bharti AXA Car Insurance

Renew your Bharti AXA car insurance to enjoy your non-stop drive.

Bharti AXA Two Wheeler Insurance

Renew your Bharti AXA Two Wheeler Insurance to continue your worry-free rides.

Bharti AXA Health Insurance

Renew your Bharti AXA Health Insurance and continue to safeguard the health of your loved ones.

Register Claim

Track Claim

BLOGS

FAQS

About Bharti AXA

Branch Locator

Cashless Garages

Cashless Hospitals

Careers

Contact Us

Become A Partner

Become A Partner

Products

Car Insurance

Two-Wheeler Insurance

Travel Insurance

Health Insurance

Motor Third Party Liability

Commercial Vehicle

Commercial Lines Insurance

Bharti AXA SME Package

Home Insurance

Pradhan Mantri Fasal Bima Yojana(PMFBY)

Arogya Sanjeevani

List of products

List of withdrawn Products

Car Insurance

Comprehensive Car Insurance

New Car Insurance Policy

IDV in Car insurance

No Claim Bonus in Car Insurance

Bumper to Bumper Car Insurance

Bike Insurance

Comprehensive Two Wheeler Insurance

IDV in Bike Insurance

No Claim Bonus in Bike Insurance

Bike Insurance Quote

Travel Insurance

Travel Insurance Coverage

Benefits of Travel Insurance

Travel Health Insurance

Travel Insurance Quote

Health Insurance

Cashless Health Insurance

Knowledge Centre

Blog

Infographics

Videos

Travel Guide

Visa Guide

Road Trip

Insurance Glossary

Health & Fitness Guide

Food & Cuisine Guide

RTO Guide

Driving License Guide

Car Manufacturer

Two-Wheeler Manufacturer

Travel Destination

Bharti AXA & YOU

About Us

Careers

Contact Us

Cashless Garages

Cashless Hospitals

Branch Locator

Grievances

Investor Relation Information

Resources

Public Disclosure

Knowledge Centre

Download Center

Media Center

Consumer Education

Electronic Insurance Account

Update IRCTC Nominee

Unclaimed Amount

Sitemap

Notice Of General Meetings

Service Parameters

Suspended Agents

Whistleblower policy

Become A Partner

About Group

AXA Group

Bharti Enterprises

Bharti AXA Life Insurance

Download My Airtel App

Legal

Privacy Policy

Terms of Use

Fraud Risk Management Policy

Equal Opportunity Policy

[object Object]
[object Object]
Travel

Travel Insurance

Health

Health Insurance

Two-wheeler

Two-wheeler Insurance

Car

Car Insurance

Disclaimer : The information published on this website is for the public′ s reference only. Content of this information is to provide an overview of your Travel needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel,services, or any other items mentioned on this subject for any purpose whatsoever.
Explore Our Products
130+ COUNTRY WIDE PRESENCE
COVERS ALL TRAVELS RELATED DISASTERS
FLEXIBLE PLANS FOR YOUR NEEDS
24/7 ASSISTANCE WORLDWIDE
Most Recent Blogs
blogs/

HealthInsurance

Things that are Not Covered under Health Insurance

18th Jul,2020

blogs/

TwoWheelerInsurance

List Of Non-Gear Bikes You Could Buy On A Friendly Budgeta

13th Jul,2020

blogs/

CarInsurance

Here Is A List Of Documents You Have To Keep In Your Car At All Times

07th Jul,2020

blogs/

TravelInsurance

Are Adventure Activities Covered in your Travel Insurance Plan?

09th Jun,2020

/

What is Pre-Existing Condition in Health Insurance

What Is A Pre-Existing Condition In Health Insurance?

When you buy a health insurance online or offline, you will come across the term ‘pre-existing condition’. It simply means a personal illness or health condition that was known and existed before safeguarding your family or yourself with a health insurance. This can include serious health issues such as cancer, diabetes to less serious illness like asthma or blood-pressure. Health insurance companies evaluate an individual's pre-existing conditions before signing the contract and provide a waiting period accordingly.

 Insurance providers do not cover illnesses that are already known to exist as these individuals would require frequent medical assistance and this poses a higher financial risk to the insurance company.  For instance, if you have an existing illness that has not be declared then the insurance company would not cover for it. Similarly, an insurance company will not cover for an illness that already exists.

Breaking Down Pre-Existing Condition:

Difference In Health Policies

While selecting a plan, understand the terms and conditions of pre-existing coverage from various insurance providers as it will differ from one provider to another. Typically it is difficult to get a cover for pre-existing ailments, but there are some exceptions to it. Some insurance providers will consider an individual’s medical history from the beginning till date while some may only consider a period of the last 4 years.

The Vital Factor

Never hide a pre-existing condition. It is important to mention about any medical conditions before signing up for a health insurance plan.  Any existing condition found to be present in the later stages of verification by the insurance company, may lead to a rejection of your claim.

You Can Get Coverage For Pre-Existing Conditions

Individuals are often under the impression that insurance providers do not provide cover against pre-existing ailments. You should be aware that policies differ from one insurer to another. Currently, a waiting period is provided for health insurance policies where the provider will not cover the costs of treatments, doctor visit fees, medicines, etc. incurred by the insured pertaining to his known medical condition. These costs will be covered only after the waiting period is over. However, the policy will cover expenses on other illnesses, which are covered under the policy.

Not Every Visit To The Doctor Is Counted

If you are under the impression that your frequent trips to your doctor for cold, cough, fever is considered while applying for health insurance, then you are wrong. Insurance providers only consider medical ailments which have long-term impacts  on an individual’s health.

Reduction In The Waiting Period

A waiting period for a health plan totally depends on the insurance provider. For example, some companies have a waiting period of 2 years while some may stretch it to 4 years. If you feel the need to shift to another insurer, do so only after you have completed your waiting period. In the recent times, some policy providers have also allowed individuals to cut down on their waiting period in return for extra premium payment.

Bottom-line

Select a health plan that suits your needs and understands its terms and conditions before investing your hard earned money in it.