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Health Insurance Policies in India that Cover Pre-Existing Conditions read

Feb 19 2020


The fast-paced lifestyle has led us to face several health-related issues. The habits of eating junk food and lack of hygiene results in welcoming not only stress but also illness. You have to get treated in case some severe ailment strikes you. It is better to have a health insurance policy in place so that your recovery is taken care of financially.

Once you are hospitalized and cured with the necessary treatments, the medical bill is paid off by your insurance provider through a cashless treatment or reimbursement process. Buying health insurance policies is a suitable option to overcome medical costs, but many policies do come with catches. You always need to understand that overconsumption of alcohol, drug abuse, self-harm, criminal acts, and other illegal activities are not covered under any health insurance policy. If you overlook this clause, your claim may surely be rejected. However, not just these practices, but there is something else that needs to be checked twice while choosing health insurance. Yes, we are talking about pre-existing diseases, which you are already suffering from before purchasing any health plan. 

What does pre-existing diseases in the exclusions of a policy mean? Simply, think of an illness that has already affected you when you don’t have any health insurance policy. Now, as you tend to buy one, the policy might not cover you against that specific illness. For instance, cancer, high blood pressure, acne, diabetes, etc. are many more can be put under pre-existing conditions and not get covered under the plan. 

There’s a reason why many insurers don’t cover pre-existing diseases. They pose a possible financial risk as you would soon require medical attention, thus requiring the insurance company to provide coverage. Bearing in mind the term ‘insurance’, it is a safety net against possible future illnesses. A pre-existing disease is a particular event that is going to happen for sure. Usually, pre-existing diseases include the following diseases:

  1. Cancer
  2. COPD
  3. Diabetes
  4. High blood pressure
  5. Acne
  6. Asthma
  7. Sleep apnea
  8. Extreme obesity
  9. Anxiety
  10. Atherosclerosis

But the scenario is changing rapidly. Many health insurance companies are coming up with health policies that cover you against pre-existing conditions, letting you reduce the industry average of 4-year waiting period on pre-existing diseases, of course, with certain conditions. Again, no company provides such coverage from day one.

Below is explained how ManipalCigna offers you policies covering pre-existing conditions: 

  1. ManipalCigna ProHealth Insurance provides coverage for pre-existing diseases after a waiting period of just two years in ProHealth Preferred & ProHealth Premier plans.
  2. Pre-existing diseases are covered after 36 months of the start of the policy in ProHealth Accumulate plan & ProHealth Plus plan. 
  3. Pre-existing diseases are covered after 48 months of the start of the policy in the ProHealth Protect plan.

Make sure that you know your health insurance policy like the back of your hand before you purchase the same. Similarly, never conceal any health-related information, such as pre-existing diseases, from your insurer. It can only backfire on you, resulting in claim-rejection. Be honest and keep your insurer updated regarding any changes in your health and lifestyle.