Insight into already existing diseases and health insurance CrediHealth

When buying a health insurance policy is one of the most critical factors to consider the presence of existing diseases (PEDs). These are medical conditions or diseases that you can have before you purchase health insurance. Examples are diabetes, high blood pressure, thyroid problems or heart problems.

Insurance providers evaluate your health history during the issue of the policy. If a disease is diagnosed before the policy is purchased, this is declared an existing condition. This can have a direct influence on your health insurance, especially with regard to premium amount, waiting time and exclusions.

How do waiting periods of health insurance influence?

A Waiting time in health insurance If a policyholder cannot claim insurance benefits for treatment with regard to existing diseases. This is one of the most crucial aspects that influence the usefulness of your health coverage.

There are usually three types of waiting periods in health insurance:

1. First waiting time
   Usually 30 days from the start date of the policy. No claims are allowed, except for accidents in this period.
2. Waiting time for already existing diseases
   In general, varies from 2 to 4 years, depending on the insurer. During this time, treatment costs with regard to existing conditions are not covered.
3. Specific waiting period
   Deals with conditions such as hernia, piles and cataracts. This is separate from PEDs and usually takes 1-2 years.

For example, if you have diabetes and buy a plan with a waiting time of 3 years for PEDs, your insurer does not cover a diabetes -related hospitalization until that period is over.

To guarantee uninterrupted coverage, many insurers offer options such as:

• Reduced waiting time for higher premiums.
• Reeliefs after continuous renewal for a certain number of years.

Insight into the waiting time is essential, because although a policy covers your PED technically, it only offers financial protection to offer this duration.

Best Health Insurance Plans For Already existing circumstances

Not all insurance policies treat existing diseases the same. Some Health insurance Plans offer a faster recording of ped’s, lower waiting time or extra benefits tailored to chronic circumstances. Here is a look at some of the best options available in India:

1. Star Health – Star Health Diabetes Safe Insurance

• Specifically designed for people with type 1 diabetes or type 2.
• Coverage includes outpatient clinic consultation and diagnostics.
• No waiting time for diabetes -related hospitalization.
• Offers lifelong renewability.

2. Provide health insurance – Care Freedom Plan

• Covers diabetes, hypertension and high BMI without medical tests for the policy for selected age groups.
• PED -WAGE TIME of 2 years, which is relatively short.
• Offers annual health controls and alternative treatments (AYUSH).

3. Niva Bupa – Health Companion Plan

• Includes existing diseases after a waiting period of 2-4 years.
• Offers coverage for hospitalization, childcare and organ donation.
• Option to reduce the waiting time to 2 years with extra premium.

4. HDFC Ergo – Health Suraksha Plan

• Offers extensive coverage including PEDs after a waiting period of 3 years.
• No cap in room rental or disease -specific sub -provisions.
• Cashless claim network with more than 10,000 hospitals.

5. Aditya Birla Activ Health Platinum

• Makes adjustment for already existing disease coverage.
• Offers Healthreturns Benefit – a reward system for healthy living.
• 2 to 3 years waiting time for PEDs.

While choosing a plan, always:

• Read the wording of the policy carefully.
• Understand the waiting time clauses.
• Choose insurers with a high claim abnormality ratios and good customer service.

If you already have a health policy, consider transferring a better plan. You can shift from one insurer to another, while the credit of the waiting period has already been served.

Already existing diseases should not discourage you from buying a health insurance policy. With increasing awareness and medical progress, many insurers now offer plans that are tailor -made for chronic diseases. However, knowing how waiting periods work is vital. A policy can state cover for your condition, but will not pay for a related treatment unless the waiting time has expired. Shorter waiting times, disease -specific plans and regular extensions can help overcome this obstacle.