Know Your Health Insurance Inside Out
Pre-existing Diseases
S.S.Gopalarathnam, MD of Chola MS, says, "Pre-existing diseases, followed by time-bound exclusions (one-year or two-year exclusions), are the major areas of confusion. This can be attributed to the over-promise made by the advisor during the pre-sale process. Also, in some cases the policyholders misunderstand the terms of the policy.”
Gai adds, "If diabetes or hypertension is pre-existing, claims for other illnesses are rejected on the pretext that those diseases have arisen as a complication of diabetes and hypertension."
You cannot get a health insurance if you have a pre-existing illness. You can be eligible for getting one only after a certain period of time. So, read your insurance policy carefully in this regard.
