Health Insurance India Pre Existing Diseases

A generally pre existing diseases are covered more under group policies than under individual medical insurance policies.

Health insurance india pre existing diseases. In india health insurance for pre existing diseases is available but some points are associated with its coverage and limitations so read on to know more in detail. And disadvantages are more likely to be camouflaged. Here s a list of repercussions a pre existing disease might have on your health insurance policy.

Health insurance has become quite popular in india nowadays. Pre existing disease list in health insurance. I will never plug for any particular insurance company because every offering has some advantages.

Effects of a pre existing disease on your health insurance. Generally most health insurance policies cover pre existing diseases after a specified period called as the waiting period. Health insurance covers less than twenty percent of indians with 86 percent of people in rural areas and 82 percent of those in urban areas uncovered by a policy.

However some people stay away from health insurance because they have certain pre existing diseases. Many companies outrightly deny medical insurance to persons having pre existing illnesses. Pre existing disease is defined by the irdai as any condition diagnosed 48 months or before the policy has been opened.

Waiting period for pre existing diseases varies from one year to four. The revised guidelines came into effect on october 1st. Take a look at this article to know more.

Thus it is suggested to go through the respective policy wordings carefully before buying a health insurance plan. Different insurance companies might have different clauses. It is the duty of the person who is opting for health insurance with pre existing conditions like diagnosed illnesses medical history of illness hospitalization surgery or major accidental injury to inform the health policy issuing executive about the same and get all necessary checks and tests done before buying the policy.