• How Pre-Existing Medical Condition affects your Health Insurance?

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    Given today’s fast paced and often unhealthy life and lifestyles, health insurance has become a necessity. For taking care of expenses arising due to different kinds of medical emergencies, health insurance can be your best friend. However, individuals who are suffering from any pre-existing medical conditions may not always find the insurance coverage they may be seeking.

    What is a Pre-Existing Condition?

    When it comes to pre-existing medical conditions or diseases, it is important to understand what it means. If an individual suffers from any medical condition or disease before taking a health insurance policy, such a condition is termed as a pre-existing medical disease or condition. This may include any health issue, from extremely serious conditions like cancer or diabetes to slightly less serious conditions like high-blood pressure, asthma or acne.

    Health insurance companies are seldom willing to provide coverage to individuals who are suffering from any pre-existing medical condition. This is due to that fact that such individuals would be in greater need of medical assistance and therefore, pose a higher financial risk to the insurance company. For this reason, health insurance providers will be hesitant in providing a policy to individuals who are suffering from a pre-existing medical condition. It’s not easy for such individuals to find adequate insurance coverage. Often, their insurance policies could be cancelled, the insurer may refuse to cover the medical bills or at worst, insurers may altogether refuse to provide a health insurance policy altogether.

    Things you should know:

    Considering the above, here are some points to keep in mind when one shops for health insurance policies:

    • Policies Differ from Insurer To Insurer:

      The terms and conditions pertaining to coverage of pre-existing medical conditions differ from policy to policy. Though it may be difficult to get a policy which provides cover for pre-existing ailments, there are some exceptions as well. There are some insurance providers who, while determining an applicant’s pre-existing medical condition, will consider their medical history in entirety. Some other providers may only consider at the applicant’s medical history for a period dating back to the past 4 years.

    • Every Doctor’s Visit is Not Counted:

      If you have been making frequent trips to your doctor for minor ailments like cold, cough, fever, etc. during winters, you needn’t worry. Every trip to the doctor will not count as a red flag when you’re applying for health insurance. Insurers only consider medical conditions and ailments which have had a long term effect on a person’s health. Other minor ailments and their side effects, like the ones mentioned before, do not determine a person’s health.

    • Never Hide a Pre-Existing Medical Condition:

      It is very unwise to keep information like a pre-existing medical condition which you may have, at the time of taking a health insurance policy. If such information is hidden from the insurer, it could very well lead them to reject your insurance claim, if it concerns such a condition.

    • You Can Get Coverage for Pre-Existing Medical Conditions:

      A majority of individuals are under the incorrect impression that insurance providers do not provide cover against pre-existing medical conditions. However, that is no longer true. Nowadays, for health insurance policies, insurance providers include a waiting period or exclusion for pre-existing medical conditions. For this duration, the insurance provider will not cover the costs of treatments, medicines and fees for doctor’s visits made by the individual pertaining to his/her pre-existing medical condition. All these aforementioned costs will only be covered once the waiting period is over. However, the policy will continue to provide cover for expenses which may be incurred on account of other illnesses, which are covered under the policy.

    • Waiting Periods can be Reduced:

      Waiting periods for health insurance policies differ from one insurance provider to the other. While some insurance providers may have a waiting period of 2 years, some others may require one stretching to 4 years. If you wish to shift to another insurance provider, it is advised to do so only after you have completed your waiting period with your current provider. The reason behind this is, in spite of you having completed 2 out of 4 years of your waiting period, the completed years will not be counted when you switch and you will be required to start all over again. However, nowadays, certain providers are offering policies which allow the policy holder to cut down on their waiting period in lieu of some extra premium payment.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    Pre-Existing Conditions in Health Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • Star Health Health Insurance
      "Better"
      0.5 1.0/5 "Really Bad"
      I am having the health insurance policy with the Star health insurance company. Coverage value is around 3 lakh Rupees. I would like to say that the response is fine one for me with them and the customer service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 17, 2018
    • National Insurance Health Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having the health insurance policy with the National Insurance company. I used to talk with them very often and the claim went in easy manner. Everything went in the good aspects with them till now.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 17, 2018
    • Religare Health Insurance
      "Its Best"
      0.5 5.0/5 "Blown Away!"
      I have corporate insurance from Religare Health, I didn't check the benefits, I believe I got medical cover upto Rs. 3 lakhs for my entire family. I got Religare e card. If in case of any emergency if I admit more than 24 hours I can get the reimbursement. I would suggest to enable daily check on insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Bajaj Allianz Health Insurance
      "Good Insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a Mediclaim plan with Bajaj. I have had a good claim experience with them. They gave the amount pretty easily. Even in case of my relatives experience Baja readily payed about Rs.75000 for the treatment. The number of network hospital in it are pretty good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2018
    • Religare Health Insurance
      "Bad Experience"
      0.5 1.0/5 "Really Bad"
      This is my first term with Religare Mediclaim plan. 7 months down my Insurance my Brother had an accident, and consequently they didn't cover me up during this time. I had to pay more than Rs.1 Lakhs for the treatment. I applied for it thrice and all the three times it got rejected, they said accidents aren't covered in this Insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2018
    • Royal Sundaram Health Insurance
      "Average service"
      0.5 1.0/5 "Really Bad"
      I have taken Royal Sundaram Health Insurance policy,i purchased two months ago,the premium amount is is 6000 paid per annum,I dint receive the kit as yet.The policy coverage is three lakhs and they would cover 100% cashless treatment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • HDFC Ergo Health Insurance
      "Need to improve"
      0.5 1.0/5 "Really Bad"
      I do have the health insurance policy with the HDFC ERGO general insurance company. I would like to say that the customer service could be get improved. I have felt that the response also could be get improved.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2018
    • United India Health Insurance
      "Very good policy "
      0.5 5.0/5 "Blown Away!"
      I have the corporate health insurance policy wit the UNITED INDIA INSURANCE company. I hold this policy for the past 8 years. This policy covers 4 members in my family. I have the medical coverage amount up to Rs,3,00,000. I would say the cashless treatment option is available with this policy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 15, 2018
    • Bajaj Allianz Health Insurance
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health Insurance with Bajaj Allianz ,the premium amount is 12,000, its a one time payment.They cover including the dependants the policy coverage amount is five lakhs ,they give 100% for cashless treatment.I pay my premium with my EMI card of bajaj allianz.
      Was this review helpful? 0
      , jaipur
      Reviewed on Feb 15, 2018
    • ICICI Lombard Health Insurance
      "Better service"
      0.5 4.0/5 "Great!"
      I have taken a Health Insurance with ICICI Lombard,the premium amount is 10800 its a one time payment.They cover including the dependants 40% and for the primary holder its 60%they give 100% for cashless treatment.I would say its the best for an individual take a policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 15, 2018
    • Religare Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Religare from last 2 years and it is a good insurance policy. This policy has to be renewed every year and i pay a premium of Rs 11000 for this insurance. I do not have claim experience and i have not taken any cashless treatment. I have a coverage of Rs 5 lakhs which is satisfactory.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 14, 2018
    • HDFC Ergo Health Insurance
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      Taken a medical insurance policy with HDFC ERGO GENERAL INSURANCE. Still now I have not taken any claim with my medical insurance. The plan and benefits are really good. I have been paying a premium of rs 5,000 per year. The customer service and response is good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 14, 2018
    • United India Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I am having the Health insurance policy with the United India Insurance company. I been with them fro fifteen to seventeen years of time. Response is good one and everything is convenient too. Coverage value is good one with the United India Insurance company.
      Was this review helpful? 0
      , solapur
      Reviewed on Feb 14, 2018
    • National Insurance Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with national insurance from last 2 months and it is a good insurance policy. I pay a premium of Rs 170 on monthly basis. I do not have claim experience so far and i have not taken any cashless treatment. I have a coverage of Rs 3 lakhs which is satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 13, 2018
    • Royal Sundaram Health Insurance
      "Health insurance with ROYAL SUNDARAM"
      0.5 3.0/5 "Satisfactory"
      From ROYAL SUNDARAM GENERAL INSURANCE i have taken a health insurance policy and the premium amount is 7000. This policy covers my whole family. They provide cashless treatment facility.I make my payment through cheque. The customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 13, 2018
    • HDFC Ergo Health Insurance
      "Good insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health insurance with HDFC Ergo,The premium amount is 17,000 including family members.The insurance is active since 2014. They promised to cover 100% cashless treatment till date i have no experience for the same.The payment is don't through Auto debit from credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 13, 2018
    • Bajaj Allianz Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I am having the health insurance policy with the Bajaj allianz general insurance company. Coverage value is around 2 lakh Rupees. Response time is best one with the Bajaj allianz general insurance company.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 13, 2018
    • HDFC Ergo Health Insurance
      "Best policy to use"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance with HDFC ERGO from last 7-8 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 15000 for this insurance. I have taken a cashless treatment and my claim experience was very good with this insurance. I have a coverage of Rs 3 lakhs which is satisfactory.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 13, 2018
    • Apollo Munich Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I took a health insurance from Apollo Munich through an advisor. Its been 3 years. The cash facilities are really good. The customer service was pretty good. I haven't gone for claim. The medical coverage was 5L. I used to pay around 13,000 rupees yearly.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 12, 2018
    • review Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Birla General insurance from last 6-7 years and it is one of the good insurance policy to use. This policy has to be renewed once in 3 years and i pay a premium of Rs 3500. I do not have claim experience so far with this insurance and i have not taken any cashless treatment. I have a coverage of Rs 3 lakhs which is satisfactory.
      Was this review helpful? 0
      , panipat
      Reviewed on Feb 12, 2018
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