Waiting period for Pre existing diseases in health insurance
What is meant by pre existing disease ?
Pre existing is any condition, aliment or injury or relation condition(s), for which the insured had signs or symptoms and/or diagnosed and/or received medical advice/treatment prior to the inception of the policy. In short the diseases or illness existed prior taking policy is pre existing.
Company marks these diseases as pre existing and they put waiting period of 3 to 4 years.
You have to renew your policy for next 3 to 4 years by paying premium. Then you will get cover for your pre existing disease.
If a person is having diabetes, even if any medical emergency occurred by diabetes the cover for diabetes will start only after 4 years of waiting period.
Do not hide or fake about pre existing disease, it could result into cancellation of your policy or rejection of claim.
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