Health Insurance for Pre-Existing Illnesses: Get Full Coverage, Avoid These Mistakes
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News18•26-01-2026, 15:57
Health Insurance for Pre-Existing Illnesses: Get Full Coverage, Avoid These Mistakes
- •Modern insurance plans cater to individuals with pre-existing conditions like diabetes or high blood pressure, debunking the myth of automatic rejection.
- •Transparency is key: Full disclosure of medical history, even if it means a slightly higher premium, ensures claim approval and avoids rejection.
- •Understand waiting periods (typically 2-4 years for PEDs) and explore 'riders' or premium plans to reduce them.
- •Consider co-payment options or disease-specific plans for severe illnesses, which offer shorter waiting periods and better coverage.
- •After 8 years, the 'Moratorium Period' protects policyholders, preventing claim rejection based on pre-existing diseases.
Why It Matters: Individuals with pre-existing illnesses can secure full health insurance coverage by being transparent and choosing the right policy.
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