Pre-existing disease - Terminology - Health Insurance
Unlike in the past, health plans have started covering even pre-existing ailments provided the policy is continuously renewed with the same insurer and that too without any claims for a continuous period of two to four (2 to 4) years.
Unlike in the past, health plans have started covering even pre-existing ailments provided the policy is continuously renewed with the same insurer and that too without any claims for a continuous period of two to four (2 to 4) years.
But, for a better claim experience,
it is important to understand what a pre-existing disease is as defined by
regulations.
Pre-existing disease is defined as -
Any condition, ailment or injury or / related condition(s) for which you had signs
or symptoms, and / or were diagnosed, and or
received medical advice / or treatment within 24 months / 48 months to
prior to the first policy issued by the insurer.
Even though, pre-existing ailments
will get coverage after a certain period, it is suggested to disclose any such
existing ailment and ongoing medication, if any to the insurer.
Non-disclosure may result in
repudiation of the claim by the insurer.
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