No. There is no waiting period for coverage of pre-existing conditions
. Q.
What pre-existing conditions are not covered in health insurance?
Medical conditions such as
high blood pressure, diabetes, thyroid, asthma, depression
, etc., are considered pre existing ailments. Major health insurance policy companies do not cover any pre-existing ailments when buying a new health insurance policy.
Which insurance is best for pre existing condition?
- Apollo Munich Energy Health Insurance Plan.
- Aditya Birla Activ Health Enhanced Plan.
- HDFC ERGO Energy Gold Health Insurance Plan.
- Star Health Diabetes Safe Health Insurance Plan.
How long can a pre-existing condition be excluded?
The time period during which a health plan won't pay for care relating to a pre-existing condition. Under a job-based plan, this cannot exceed
12 months for a regular enrollee or 18 months for a late-enrollee
.
What is classed as a pre-existing medical condition?
As defined most simply, a pre-existing condition is
any health condition that a person has prior to enrolling in health coverage
. A pre-existing condition could be known to the person – for example, if she knows she is pregnant already.
What is the purpose of pre-existing condition insurance plan?
The Affordable Care Act created the Pre-Existing Condition Insurance Plan (PCIP)
to make health insurance available to those that have been denied coverage by private insurance companies because of a pre-existing condition
.
Can you be denied life insurance for a pre-existing condition?
Depending on the situation, a pre-existing health condition might cause an early or unexpected death, which increases the risk for the insurer. As a result, the cost of the policy is higher.
If the risk is too high, the insurer may deny coverage altogether
.
What is the difference between pre-existing conditions and exclusions?
The time period during which an individual policy won't pay for care relating to a pre-existing condition.
Under an individual policy, conditions may be excluded permanently
(known as an “exclusionary rider”).
Should pre-existing conditions make insurance more expensive?
Will a pre-existing condition result in a higher premium? Under current law,
insurance companies cannot charge higher premiums or refuse health insurance coverage due to pre-existing conditions
.
What is acute onset of pre-existing conditions?
An acute onset of a pre-existing condition is defined as
a sudden and unexpected medical episode related to a pre-existing condition
. To be classified as acute onset, the medical event must occur spontaneously and without advance warning (either confirmed by a physician or by the obvious presence of symptoms).
Is arthritis considered a pre-existing condition?
Arthritis is generally considered pre-existing medical condition
. This doesn't necessarily mean you can't get travel insurance, but you do need to disclose your condition before you book your cover. With arthritis, you'll need to declare your specific type of arthritis whether it's osteo, rheumatoid, or psoriatic.
Is High Cholesterol a pre-existing condition?
The left-leaning Center for American Progress notes that
high blood pressure, behavioral health disorders, high cholesterol, asthma and chronic lung disease, and osteoarthritis and other joint disorders are the most common types of pre-existing conditions
.
Do life insurance companies check prescriptions?
Yes, life insurance companies check your pharmacy records and prescription history during the application process if you're applying for a medically underwritten insurance policy
.
Does high blood pressure disqualify you from life insurance?
Living with high blood pressure significantly increases the risk for heart disease and stroke, which makes those with this condition a greater risk to insure. However,
as long as you're managing your condition with medication and diet, you will likely be able to find life insurance coverage
.
Can someone in poor health get life insurance?
In general, the same policies that are available for healthy people may be available for those who suffer from chronic illness.
Unless the illness is terminal, or drastically reduces your life expectancy, you may be able to qualify for either a term life or a permanent life insurance policy
.
