• Contact Us
  • Home
hospitalninojesus
Advertisement Banner
  • Health
  • Skincare
  • Medicine
  • Diet
    • Detox
  • Yoga
  • Dental
  • Surgery
    • Plastic Surgery
  • Weight Loss
No Result
View All Result
HealthNews
No Result
View All Result
Home Health

All You Need to Know About Pre-Existing Disease in a Health Insurance Plan

Genevieve Preas by Genevieve Preas
December 6, 2019
in Health
0
Medical care as well as the Elderly care
0
SHARES
18
VIEWS
Share on FacebookShare on Twitter

One cannot stress enough about the importance of having health insurance. It is much needed to tackle the various diseases that may develop or progress as you grow older. With health insurance, you get a sense of security and don’t have to worry about shelling out lakhs from your pocket when it comes to the treatment. 

The rising cost of healthcare has brought in many worries about medical expenses. Having health insurance means that you can keep these worries at bay and focus on the other essential things in your life, like self-development, work, and family.

However, when you have a pre-existing health condition, it can be quite challenging to acquire comprehensive health insurance.

Let us look at what these pre-existing conditions are and how they affect your health insurance plans.

What are pre-existing conditions?

Pre-existing health conditions are defined as the health problems you face before opting for health insurance. It includes each issue that might affect your health — something which might even have the possibility to get worse in the long run. It can be asthma, high blood pressure, or even acne — basically anything which may require medical attention. 

Pre-existing conditions and health insurances

Insurance providers are not too fond of pre-existing health conditions. If you are someone who might suffer from a disease and want to buy health insurance, insurance companies might be reluctant in providing you with coverage. The reason is simple: your chances of getting admitted to a hospital might increase significantly and further increase the costs of insurance companies. It is a sort of financial risk that these companies are quite unwilling to take. 

Getting health insurance when you have a pre-existing condition

When you have a pre-existing health condition, it might not entirely mean that you are completely ineligible to buy health insurance plans.

Different companies in the insurance market have different sets of policies. For example, some companies that are out there will consider your entire medical history before they make an offer. On the other hand, some will only look at your medical record for the last four years or so. 

Besides, an insurance company might only look at diseases that tend to have a long-term effect on you and then plan the insurance policy premiums accordingly. Short-term problems that have negligible health effects might not prove to be a hindrance between you and health policy.

One thing that you must note is that you should never hide a medical condition while applying for insurance as it may lead to problems when you file a claim. Make sure that you go through a medical checkup before you buy a health insurance plan to determine your present health condition. Doing this will make sure that you do not land into any trouble later. 

When you have a pre existing disease, then you have to go through a waiting period for health insurance. While you are in this waiting period, the claims that you make for these diseases will be rejected. However, for other conditions, you are free to file a claim. Then, there are some policies that have support for pre-existing diseases. The premiums for these insurance plans, however, might be higher. 

The waiting period usually varies with insurers. Generally, it is two years for some diseases; for others, it might be four. Once you have successfully passed the waiting period, you will get access to these pre-existing health conditions — one less thing to worry about!

Conclusion

If you are looking for a health plan which has good support for pre-existing diseases, Bajaj Allianz health insurance, available on Finserv MARKETS, can be a good option for you. It has tailor-made insurance plans that are designed to fulfill your health needs.

With Bajaj Allianz health insurance, you get cashless hospitalization to a vast network of hospitals across India. With accessibility to hospitals near you, you do not have to travel anywhere to get yourself treated. 

With a high claim settlement rate, you get swift and assured settlement to the claims that you file for your health insurance. Besides, when you purchase health insurance on Finserv MARKETS, you also get access to comprehensive health care packages at affordable premium rates. 

Genevieve Preas

Genevieve Preas

Next Post
CBD face cream brighten your skin at affordable cost

CBD face cream brighten your skin at affordable cost

Archives

  • January 2023
  • December 2022
  • November 2022
  • October 2022
  • September 2022
  • August 2022
  • July 2022
  • June 2022
  • May 2022
  • April 2022
  • March 2022
  • February 2022
  • January 2022
  • December 2021
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • July 2021
  • June 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • December 2020
  • November 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • April 2020
  • March 2020
  • February 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • April 2019
  • March 2019

Categories

  • Addiction Treatment
  • Baby Care
  • Beauty
  • Business
  • Dental
  • Detox
  • Diet
  • Eye Surgery
  • Featured
  • Fitness
  • Hair Treatment
  • Health
  • Health Care
  • Health Insurance
  • Hernia
  • law
  • Massage therapist
  • Medicine
  • Mental health
  • Nursing
  • Orthopedic
  • Pain Management
  • Plastic Surgery
  • Podiatrist
  • Pregnancy
  • Psychotherapy
  • Rehab
  • Skincare
  • Surgery
  • Weight Loss
  • Wellness
  • Yoga

Recent Post

How is a Gonstead Chiropractor different from other Chiropractors?

How is a Gonstead Chiropractor different from other Chiropractors?

January 31, 2023
Fine Lines and Wrinkles: Causes and Treatments

Fine Lines and Wrinkles: Causes and Treatments

January 20, 2023
Erectile Dysfunction and Diabetes: What You Need to Know

Erectile Dysfunction and Diabetes: What You Need to Know

January 19, 2023
V Shape Face Slimming: What are the Most Effective Treatments?

V Shape Face Slimming: What are the Most Effective Treatments?

January 9, 2023
Gastric Bypass Surgery

How Much Weight Will You Lose After Gastric Bypass Surgery?

December 31, 2022

Advertisement

Archives

  • January 2023
  • December 2022
  • November 2022
  • October 2022
  • September 2022
  • August 2022
  • July 2022
  • June 2022
  • May 2022
  • April 2022
  • March 2022
  • February 2022
  • January 2022
  • December 2021
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • July 2021
  • June 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • December 2020
  • November 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • April 2020
  • March 2020
  • February 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • April 2019
  • March 2019

Follow us

Categories

  • Addiction Treatment
  • Baby Care
  • Beauty
  • Business
  • Dental
  • Detox
  • Diet
  • Eye Surgery
  • Featured
  • Fitness
  • Hair Treatment
  • Health
  • Health Care
  • Health Insurance
  • Hernia
  • law
  • Massage therapist
  • Medicine
  • Mental health
  • Nursing
  • Orthopedic
  • Pain Management
  • Plastic Surgery
  • Podiatrist
  • Pregnancy
  • Psychotherapy
  • Rehab
  • Skincare
  • Surgery
  • Weight Loss
  • Wellness
  • Yoga

Featured

Latest Post

How is a Gonstead Chiropractor different from other Chiropractors?

How is a Gonstead Chiropractor different from other Chiropractors?

January 31, 2023
Fine Lines and Wrinkles: Causes and Treatments

Fine Lines and Wrinkles: Causes and Treatments

January 20, 2023
Erectile Dysfunction and Diabetes: What You Need to Know

Erectile Dysfunction and Diabetes: What You Need to Know

January 19, 2023
V Shape Face Slimming: What are the Most Effective Treatments?

V Shape Face Slimming: What are the Most Effective Treatments?

January 9, 2023
  • Contact Us
  • Health
  • Skincare
  • Medicine
  • Diet
  • Yoga

Copyright © 2019 hospitalninojesus.com | All Right Reserved.

No Result
View All Result
  • Home
    • Home – Layout 1
    • Home – Layout 2
    • Home – Layout 3
    • Home – Layout 4
    • Home – Layout 5
  • Health

Copyright © 2019 hospitalninojesus.com | All Right Reserved.