1 Are my existing diseases covered?
Most insurers cover pre-existing illnesses after a waiting period upto 48 months from the start of the policy. Some pre-existing illness may be completely excluded from the scope of coverage.
2 Do I need to declare existing diseases?
Yes, it is important to declare all about your existing (pre-existing) diseases at the time of policy purchase. Insurer can deny a claim or cancel a policy if you have not declared a pre-existing illness.
3 How long are the waiting periods ?
Waiting period for Pre Existing Disease may vary from 2yrs to 4 yrs. Certail ailments like ENT disorder, Hernia, Osteoporosis may have 1 year to 2 year waiting period. And while buying a new health insurance plan there may be a 30 day waiting period for all diseases excluding treatment required due to accidents. Some pre-existing illness may be completely excluded from the scope of coverage.
4 What are the things not covered in my health insurance
Medical expenses that are within waiting period and beyond policy limits are not covered. Specific medical conditions and treatments might not covered by some insurers. Non medical expenses are also not paid for by insurance like cotton, gloves etc
5 where can I find list of exclusions ?
Your policy document will have a specific section marked as Exclusions, that will have the full list of all exclusions or treatments that are not covered or covered after a specified time.
6 Can I buy a policy without waiting period
There is usually a waiting period of 30 days before first claim can be submitted, but this does not apply to accidents. Most insurers cover pre-existing illnesses after a waiting period upto 48 months from the start of the policy. Some pre-existing illness may be completely excluded from the scope of coverage.
7 What is definition of Pre existing Disease or PED?
Pre-Existing Disease or Pre Exiting Illness refers to any disease or illness which one is suffering from before the date of buying a health insurance policy. Health insurance companies have different terms and conditions for providing policies to applicants with a pre-existing disease