The Importance Of Disclosing Pre-Existing Diseases While Buying Health Insurance

3 Things to Know Before Buying Health Insurance Online

The first thing that may likely come to mind when you consider providing for your family’s future is health. As a result, getting health insurance should be your first priority. This will guarantee that the insurance company will pay for any unforeseen medical costs in the future.

You must be truthful when filling out the application for health insurance, especially when describing any current medical conditions. It is crucial to provide accurate and trustworthy information in this regard. How truthful you were when completing this section will determine if a subsequent insurance claim is successful or not. 

Many people have a tendency to lie about their health because they worry that their insurance application will be denied or that the premiums will be too high. However, such a strategy is foolish and could result in a claim being rejected when you most need your health insurance. 

Examining pre-existing diseases in more detail can help you understand why you must be honest about them when purchasing health insurance. 

Pre-Existing Conditions: What Are They? 

A pre-existing disease is any condition that you already have when you get health insurance. Any illness, including diabetes, hypertension, heart problems, etc., could be the cause. 

The impact of pre-existing conditions on your health insurance plan 

Pre-existing conditions are typically covered by health insurance companies, but only after a set waiting period. A waiting period, during which no claims for health problems connected to pre-existing conditions will be processed, can last anywhere from one year to four years. 

Consider the scenario where, after a 2-year waiting period, your health insurance starts to pay for diabetes-related medical expenses. In such instances, it won’t cover your diabetes-related costs for two years after the policy’s start date. Once the waiting period has passed, you can submit a claim, which the insurance company may easily authorise after checking. 

Why should pre-existing diseases be disclosed? 

When you fill out an application for health insurance, you give the insurance company information and sign the form at the end, attesting that all the information is true to the best of your knowledge. Your information is evaluated by the health insurance provider, who then draws up a health insurance strategy. 

Your provided information is used to determine your health coverage, premium, and all other aspects of your health plan. Your coverage may be rendered invalid if the insurer discovers that you misled or omitted information about any pre-existing conditions on your application during the claim procedure. The information you submitted served as the foundation for your entire policy, and if it turns out that information was fraudulent, the insurer has every right to deny your claim. 

Therefore, you must always reveal your medical history when purchasing a pre-existing disease health insurance. Yes, there will be a waiting time, and your premiums may be a little higher, but in the long term, once the waiting period is through, at least you can apply for your health plan and have it approved when you need it.


Nobody wants to hear the unpleasant facts of pre-existing diseases, but it serves as a reminder of why everyone needs health insurance. However, if you don’t want your subsequent claims to be denied, don’t make the error of hiding your pre-existing conditions from your health insurer. Even if there is a waiting period until it becomes accessible, be sure to disclose your personal information and medical history truthfully to benefit from coverage for pre-existing conditions. You might think it can help you lower your premium, but you might eventually run into a big problem when you need the insurer to pay your hospital fees.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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