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Question: What is meant by the term Pre-existing diseases in health insurance? Is malaria a pre-existing disease?

Answer: Pre existing diseases mean any condition or ailment which you may have had signs or symptoms or was diagnosed and received medical treatment. Usually the tenure for defining existing diseases is fixed at 36-48 months prior to your taking up the health insurance policy.

Infectious diseases like Malaria, fever, flu etc are usually not included in policy exclusions, for a waiting period. But if you happened to have complications out of it, it will be. It is recommended that you check with your health insurance company about the exact tenure period. It is not that pre existing diseases would not be covered by your health insurance policy. Pre existing diseases are covered after a maximum tenure of three-four years from the date of inception of the policy, depending upon the policy’s terms and conditions.

Pre existing diseases mean any condition or ailment which you may have had signs or symptoms or was diagnosed and received medical treatment. Usually the tenure for defining existing diseases is fixed at 36-48 months prior to your taking up the health insurance policy.

Infectious diseases like Malaria, fever, flu etc are usually not included in policy exclusions, for a waiting period. But if you happened to have complications out of it, it will be. It is recommended that you check with your health insurance company about the exact tenure period. It is not that pre existing diseases would not be covered by your health insurance policy. Pre existing diseases are covered after a maximum tenure of three-four years from the date of inception of the policy, depending upon the policy’s terms and conditions. Source: CoolInterview.com

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