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  • 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.

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    Pre-Existing Conditions in Health Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • HDFC Ergo Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I haev taken the health insurance policy with the HDFC ERGO GENERAL INSURANCE but i have not used this policy, i have not experienced with claim with this policy. I am holing this policy since from last 2 years. The medical coverage is for 5 lakhs where the premium i pay 7600k.
      Was this review helpful? 1
      , jaipur
      Reviewed on Nov 19, 2018
    • SBI General Health Insurance
      "Good insurance"
      0.5 5.0/5 "Blown Away!"
      My company has provided the health insurance policy with SBI General. They have given a coverage value of Rs. 5 lakhs. My entire family has been covered in this policy. I had a claim experience twice. I had submitted the documents to my company, they will proceed the claim. I have received the claim amount of Rs. 2 lakhs. Most of the major hospitals has been covered in this policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2018
    • HDFC Ergo Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my Health insurance with HDFC bank , and from past two years i have been using this insurance, there service is good, like i got this health insurance through my office as they only had created this health insurance for me and i use to pay premium per year, it use to get auto debited from my salary account.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2018
    • Future Generali Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have a health insurance with Future Generali Insurance from long time, i am not aware of the premium amount as it is to get auto debited on yearly bases and I do not have any claim experience but in terms for the features it is a good policy to have. It has been a very good experience with the Future Generali.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 18, 2018
    • Star Health Health Insurance
      "Excellent policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with Star. This policy is taken for my family. They have given me a coverage amount of 3.5 lakhs. They have wide range of hospitals in my locality. I pay the premium amount of Rs. 11500. They are giving a cashless treatment facility anyway i had no claim experience with this policy
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2018
    • Oriental Insurance Health Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Oriental which was provided by company.It is for entire family and policy coverage for per person is 2.5L.There is no claim experience. They have good network of hospital for the cashless facility. They cover all types of minor, major diseases and critical illness.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2018
    • ICICI Lombard Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      My company has provided me a health insurance policy with ICICI Lombard. Its been 2years now. It covers for entire family and policy coverage is 3L per person. There is no claim experience but I heard the claim process was good. Am not aware of the benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2018
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have been using with the health insurance policy with the HDFC ERGO GENERAL INSURANCE from past one year and i have paid the premium of 24k for this health insurance. They have provided me with the 12lakhs as medical coverage for my complete family.
      Was this review helpful? 2
      , new delhi
      Reviewed on Nov 16, 2018
    • Religare Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy from the Religare Insurance company. I am paying a premium for a per year. I do not have any claim experience with this policy. Overall it has been a smooth experience with the policy so far. I'll have to wait and see how they respond to my request in future.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 16, 2018
    • HDFC Ergo Health Insurance
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      I am using the health insurance policy with the HDFC ERGO GENERAL INSURANCE from past two years where i have no claim experience with this policy also added on that the premium i pay seven thousand rupees per year. The medical coverage is for six lakhs for complete family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 16, 2018
    • HDFC Ergo Health Insurance
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      I am using the health insurance policy with the HDFC ERGO GENERAL INSURANCE from past two years where i have no claim experience with this policy also added on that the premium i pay seven thousand rupees per year. The medical coverage is for six lakhs for complete family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 16, 2018
    • Religare Health Insurance
      "Necessary policy for all family"
      0.5 4.0/5 "Great!"
      I have no claim experience with Religare health insurance policy. I have purchased the policy 1 month before. They have offered me a coverage value of 5 lakhs. I have taken the policy for my family. I have no idea about the list of hospital. They are providing the cashless facility. I pay the premium of Rs. 11700.
      Was this review helpful? 0
      , faridabad
      Reviewed on Nov 16, 2018
    • review Health Insurance
      "Health insurance"
      0.5 4.0/5 "Great!"
      I have been holding the health insurance with Bharti AXA. My total family has been covered in this policy. They have given a coverage of 3 lakhs. The preety much hospitals has been covered in my location. My company has provided this policy around 6 months before. Since its a corporate policy, they have provided only to the employees.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 16, 2018
    • Apollo Munich Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Apollo Munich, this policy cover accident claim and there customer support team have explain me about this policy and the premium i pay 25,000-30,000 per year it nominal, i pay through on line, till now there service was good.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 16, 2018
    • Star Health Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health insurance, the premium i use to pay is up to 13,000 a per year its nominal for me, from past 1 year i have been using this insurance there customer service explain me about policy and i use to pay through on line like they use to send me the link i use to pay it.
      Was this review helpful? 1
      , mumbai
      Reviewed on Nov 16, 2018
    • HDFC Ergo Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using my health insurance policy with the HDFC ERGO GENERAL INSURANCE and the premium i am paying six hundred and thirty five rupees per month also it gives the coverage up to one crore rupees. It is a corporate policy, i am using from past 10 years but i had no claim experience.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Nov 16, 2018
    • Cigna TTK Health Insurance
      "Average"
      0.5 4.0/5 "Great!"
      I have chosen Health insurance with Cigna TTK. They provided me a cashless facility and reimbursement for my doctor bills. I have taken the policy for my entire family. I pay yearly 10K as a premium through ECS. The claim experience is excellent and the reimbursement was immediate. The policy coverage for me is 5L and rest of family members is 3L. They have more network of hospitals but they pay more attention on the medical bills.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 15, 2018
    • Apollo Munich Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had a health insurance for my family with Apollo Munich. My experience is good. Due to some reason, I was unable to pay the premium. The policy has been lapsed. I have paid 12K for a year. The payment mode is net banking. The policy coverage was 5L. It was covering almost all diseases, If I use even 5L at one time again they will provide 5L which was very good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
    • HDFC Ergo Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been using HDFC ERGO health insurance for while , I never had any claim experience with the policy. I will have to wait and see how they respond to their claim requests in future, overall service was good it cover accidental policy and they charge nominal premium amount.
      Was this review helpful? 0
      , anantapur
      Reviewed on Nov 15, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my health insurance with Star health insurance,there premium they charge is nominal only i use to pay my premium amount on monthly bases and it use to get auto debited with my bank account and they have explain me all policy which is cover in this policy clearly, till now i did not face any issue with this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2018
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