Pre-Existing Diseases
These are diseases that exist at the time of taking a health insurance policy and are excluded from the cover during the waiting period. A pre-existing ailment is defined as condition, ailment or injury for which the insured had symptoms and was diagnosed or received medical treatment within four years before buying the policy. So, if you have a pre-existing ailment, your insurer may agree to offer you a health insurance policy depending upon the severity of the ailment, but most will not cover the pre-existing ailment or hospitalisation associated with it for at least the first four years. Some insurers may have a lower waiting period.
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