Written by Hannah Punitha, PG , Lyju Kuruvilla | 

Medically Reviewed by The Medindia Medical Review Team  on Sep 03, 2014


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.

Latest Publications and Research on Health Insurance For Pre-Existing Conditions


spider.s Monday, April 6, 2015

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

Ilesh_211 Friday, December 20, 2013

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 ?

@Guest Thursday, September 18, 2014

Yes in star health insurance he can get cardiac care.

ManojKGhanaksh Thursday, August 8, 2013

is there any policy that covers pre existing diseases.

delhihospital Friday, June 28, 2013

Please inform me if there are some Group Policies that you know.. I am asking for my parents.

vp.charming Tuesday, April 9, 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

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