Theme: Helpful Tips On Buying A Health Insurance Policy
January 16, 2010The first thing coming to your mind when you decide to buy a health insurance policy is, “which diseases will not be paid for”. There is an insurance terms, so called pre-existing diseases, which mean diseases that have a long waiting period before being paid for.
It is very important for health insurance consumer to be well informed and updated in such subjects. But let’s understand what a pre-existing disease is. Let’s make a list of the most common myths connected with pre-existing diseases and make the general picture clearer for you.
Not only diabetes are considered as a pre-existing disease, although it is a pre-existing condition. Heart disease, paralysis, stroke, kidney failure, eye problems also can be considered as pre-existing diseases.
As a rule, health insurance companies have a standard definition of a pre-existing disease. But various health insurance policies have various definitions for pre-existing diseases. In some policies, a pre-existing disease is an illness that has a patient’s past clinical history. Other policies may have another definition, for instance, diseases are considered as pre-existing if the insured person had some consultation or a course of treatment.
Usually pre-existing diseases are paid only after a period of four years maximum after buying health insurance policy, even when an insured is taking a course of active treatment for such kind of disease. And this happens only if the insurer continues his policy with the same insurance company for that period. But companies and policies differ and some health insurance policies cover pre-existing diseases after a waiting period of two years.
If you want to hide you pre-existing disease, do not forget that your illness has its history fixed in your hospital history sheet, and in case of hospitalization your health insurance company will know everything about your pre-existing disease from your doctor. You must not reveal your illness even in the self declaration form. When your deceive is discovered you will not get the coverage from your insurance company, but even in case you was hospitalized due to some other reason but not your pre-existing disease, even in this case your claim will be rejected. Thus it is better to tell about your pre-existing diseases in your health insurance agreement. Remember this.
The pre-existing exclusions (and the 2 or 4 year waiting period) are only for those insured persons who had any signs or symptoms of any ailment, injuries, health condition, etc. These health conditions do not include fever, cold, cough or any other short term illnesses without side effects. That is pre-existing waiting period is not for healthy people without any chronic diseases and ailment. Generally healthy people will be covered for all health conditions which are mentioned in their health insurance policies.
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