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Health Insurance For Pre-Existing Conditions

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These days people are worried about getting a health insurance plan for pre-existing conditions. They are under the impression that if they are suffering from a pre-existing condition like diabetes or heart disease, then the insurance company will not cover them. But this is not true.

We have heard of incidents where people are denied a policy or their cover is so limited that the benefits under their plan are simply not worth the price. It is as if one has to look through one exclusion after another to find that elusive benefit.

Health Insurance For Pre-Existing Conditions

The secret to getting health insurance for pre-existing medical conditions lies in doing a thorough research. Today there are a large number of insurance companies to choose from and there is a big difference in attitudes as to what they will and will not cover.

There are many insurance companies who are ready to take the risk of covering you but they will impose conditions. For example, they may cover your condition but will require you to pay an additional premium. Alternatively, they may say that your pre-existing condition will be covered after a waiting period provided you have not required treatment for that condition during this period. These are just two examples of insurance companies providing cover as long as certain conditions are met.

Group health insurance plan is another approach that you can consider. In many cases, group policies provided by the employer, will accept employees regardless of pre-existing medical conditions. Many times we think that group policies are available only through employment, but there are many cases where you may be eligible to join a group health insurance plan. For example, if you belong to a professional association, then you may be eligible to join a group medical insurance plan.

Don’t let a pre-existing condition stand in your way of getting a health insurance cover. Collect the necessary information, get some quotes and you’ll be surprised how easy it is to get a cover to cover your pre existing conditions.

Definition of a ‘Pre-existing Medical Condition’

This is a difficult question to answer as different insurance companies interpret this phrase in different ways. State law will often prescribe conditions which may and may not be included under this heading. Heart disease and diabetes are generally taken to be classed as pre-existing but others are less clear.

Pre-existing condition relates to a medical issue which was present prior to a person obtaining a health insurance policy. There are often negative connotations associated with the term pre-existing condition as it is something that prevents you from obtaining an insurance coverage or which will make you pay a higher premium when you obtain cover. Many who want coverage and have a pre-existing condition will feel happy to know that there are insurers who will provide them with the same, subject to restrictions.

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You have not provided names of such companies I tried to contact local dealer and everyone else but could not locate. My requirement is pretty simple I can bear portion of cost when root cause is existing disease however when it goes beyond I need some bracket to support. As some medical condition or so common and overseas its very expensive. So assume condition cost 1 Lac in in India and overs eases 10Lacs. So atleast I can be covered 6-8 Lacs in such situation with some additional premium
spider.s Monday, April 6, 2015
If bypass surgery is already done and after 4 years If I want to get a mediclaim for my father is there any policy with extra payment or copayment ?
Ilesh_211 Friday, December 20, 2013
Yes in star health insurance he can get cardiac care.
Guest Thursday, September 18, 2014
is there any policy that covers pre existing diseases.
ManojKGhanaksh Thursday, August 8, 2013
Please inform me if there are some Group Policies that you know.. I am asking for my parents.
delhihospital Friday, June 28, 2013
My father in law is suffering from cirrhosis of liver and we wish to travel European is there a policy which will cover him of his problem
vp.charming Tuesday, April 9, 2013
I suffered from Colon Cancer in December 2007. I was covered for Rs.5 lacs with New India Insurance Mediclaim policy and my term was June 15th. My next premium was due in June 2008. I underwent surgery on December 22nd at Jaslok Hospital in Mumbai followed by chemo therapy from January 2008 till September 2008. All my expenses, almost fully utilising the entire Rs.5 lacs till 15th June 2008, were reimbursed. I renewed my policy in June 2008 but did not have to pay a very high premium - in 2007 it cost me Rs.11000/- [it was family cover including my wife(60] and daughter (21)and in 2008 it went up to Rs.18000/-. Then in 2009 also I was asked to pay about Rs.40,000/- and I refused and took a transfer to United India Insurance where I paid Rs.37000/- for renewal. In 2010 I had metastasis of liver, so I underwent another surgery in October. My premium had gone up from 38000/- to about 40,000/- or around so in June 2010. This increase was due to loading because I had claims. In October the cost of my liver surgery was Rs.5.5 lacs which I put in for claim. To my utter dismay the reimbursement was Rs.3.15 lacs only. They said my age was above 60 so there was 10% deduction on final sanctioned claim amount. And since this was second cancer surgery the claim was cut down to 70%. 70% of 5 lacs was 3.5 lac, followed by 10% deduction because I crossed 60 years therewas 10% cut on Rs.3.5 lacs. So I was delivered a cheque of Rs.3.15 lacs. I thought this was a fraud because when you insure anyone for some prefixed money and then the claim matches or exceeds the cover you should get refund upto the full coverage amount. But that is not the case. In India we have to accept whatever they hand out to us. They will have many clauses and sub clauses under their sleeves which they do not show to you when they receive the money. But when you go to take back your due demand they treat you like they treated Baba Ramdev. Who can fight the system that is bent upon causing you harm? We cannot call a cheat a cheat because there are better words and I need to search for them. It is hard particularly when your blood is boiling.
Anis49 Wednesday, February 6, 2013
Total Insurance Adviser about all insurance Companies avail on 1800113538
seo2012 Thursday, January 24, 2013
This is a nice article but pls point to the insurance companies or plans which are good group health insurance and provide pre-existing disease coverage for parents.
Kaustavc Saturday, September 8, 2012
I am pre-diabetic. I have lost weignt and reduced my blood sugar level which still remains in the pre-diabetic range. I have never been diabetic. Am I correct in not reporting this as a pre-existing medical condition?
Coilin Saturday, April 14, 2012
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