Pre-Existing Diseases Cover in Health Insurance
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Health insurance is among the most critical sectors. The policies provided are the best way to avail of cashless benefits in times of need and medical emergencies without breaking the bank. But, procuring benefits for pre-existing diseases like diabetes, epilepsy, cancer etc., comes in a hard way as it has a long waiting tenure of about 2-4 years. Various important points must be considered while looking for a suitable pre-existing disease cover. One has to be very careful with the policies and transparent and honest about the ailments and treatments they would require coverage.
Not all policies fit the best interest. Therefore you need to do extensive research and seek help from your insurer to find the perfect policy for yourself and your loved ones.
What is a Pre- Existing Disease?
Pre-Existing Diseases (PED) or Pre-existing conditions are those medical illnesses or injuries that the intended policyholder has before starting a healthcare plan or policy. This factor plays a significant role in your health insurance as you already suffer from these ailments.
Different health insurance policies have different criteria for including PED. Generally, PED in insurance policies is considered if you have been diagnosed with a disease before buying the insurance plan. Hence, PEDs are only those ubiquitous diseases diagnosed before purchasing the healthcare plan considered in the policy. Thus, an illness you were unaware of or diagnosed after buying the insurance would not come under pre-existing disease cover health insurance. PED comprises both life-threatening illnesses to minor ailments that most commonly include thyroid, high blood pressure, diabetes, asthma, cholesterol, cancer, diabetes, etc.
Crucial vital points to remember while buying health insurance for Pre-Existing diseases
The terms and conditions related to pre-existing conditions mentioned in health insurance
Health insurance policies vary from each other in terms of the waiting period, screening process, list of pre-existing illnesses, etc. The difference can also be due to health policy, type of coverage and insurance company, etc. Generally, the insurance providers would request a medical check-up, according to which you will be offered a policy. At the same time, your health history and age can also be considered by some. Hence, one should properly investigate the process and read the terms and conditions before selecting a health insurance plan.
Pre-existing illness needs to be disclosed
Things can get complicated with false or hidden information about your health. In both conditions, your claim can be rejected, or the insurance company can cancel the policy. In addition, In times of urgency, this may cause unnecessary stress. So, being honest and maintaining transparency is always beneficial for you and the policy provider.
All health insurance does not cover pre-existing conditions
Not all health insurance plans cover pre-existing conditions. In addition, PED does not come under the protection of specific policies. Hence, you must confirm with your insurer at the time of purchase and select a plan according to your suitability.
Terms and conditions for a waiting period, and it is a waiver for pre-existing conditions
The waiting period means you cannot claim health insurance immediately after purchasing an insurance policy. You may have to wait for a set time frame that ranges from 30 days to 4 years. However, specific insurance policies may have very little or no waiting period according to the condition. You are still expected to keep a check on the waiting period. Accordingly, you should start your process and choose the insurance policy.
Premium of your insurance policy is affected by PED
A pre-existing condition can impact the premium as you might have to pay a higher premium if you have PED than applicants with no medical conditions.
Health insurance company reserves the right to cancel or deny the claim
Some types of pre-existing illnesses are not covered in the plan. Therefore, you should check the list of diseases covered in the plan, as in some instances, some illnesses may not be included for the entire length of the policy, and the insurer won’t consider them. As a result, your claim will get cancelled or denied.
Why is it important to declare a pre-existing disease?
It is imperative to be transparent when it comes to insurance policies. Non- disclosure of your pre-existing diseases can lead to denial of your request for policy at the time of the health insurance renewal, and it can also be termed as dishonouring of claims. Being completely honest is the best way out. Make sure you have gone through all your medical files and incorporated all the diseases and ailments you would need to be covered under pre-existing disease coverage health insurance. If you try to lie about or hide your medical history and diseases, it will subject you to repercussions and will terminate your claimed cover.
How to buy a Pre-Existing Condition Cover?
Before selecting a suitable health insurance plan, you need to be well-researched. Each health insurer comes with different terms and conditions and policies. Therefore you must always analyse and compare different plans and choose the one that is apt for your specific requirements, budget, age bracket and health conditions.
We should be grateful to the internet as it helps us conveniently compare different plans and tells us about the benefits of each one of them. Moreover, it ensures that you have a value-for-money plan and are protected against all medical costs in a medical emergency. Furthermore, health insurance covers your pre-existing ailments if you opt for the policy that benefits them too, which makes it all the more vital for you to be transparent and honest about your pre-existing conditions to your health insurer.
Along with the terms and prerequisites, ensure that you read about the waiting periods of each policy. Your health insurer is at your service to ease the whole procedure and help you choose the best pre-existing disease cover health insurance.
What is a Pre-Existing Condition waiting period?
The waiting period in health insurance can be defined as the tenure you are supposed to wait before you become eligible to reap all the benefits and rewards of the pre-existing condition coverage. On average, the waiting period can range between 2-4 years, depending on specific judgement parameters such as age and medical condition. Then, the insurer works to provide you with a suitable policy within the assured time frame.
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