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Health Insurance for Pre-Existing Conditions

A health insurance policy is a contract between you and your insurance company. Under this contract, you pay a certain amount (premium) on a regular basis to your insurance company. In turn, the insurance company agrees to help you with the medical expenses that you may incur due to unexpected illness or injury. These expenses typically include doctor consultation fees, diagnostic tests, medicine bills, ambulance fares, hospitalisation bills and more as per your policy terms and conditions.

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What is a Pre-Existing Condition in Health Insurance?

A health insurance policy is a contract between you and your insurance company. Under this contract, you pay a certain amount (premium) on a regular basis to your insurance company. In turn, the insurance company agrees to help you with the medical expenses that you may incur due to unexpected illness or injury. These expenses typically include doctor consultation fees, diagnostic tests, medicine bills, ambulance fares, hospitalisation bills and more as per your policy terms and conditions.

Special Benefits to get from this plan

A health insurance plan covers for these unexpected medical expenses, ensuring you don't have to bear the financial burden. You can focus on getting the medical care you need without worrying about the cost. In simple terms, health insurance helps you to reduce or avoid a larger financial stress by paying a comparatively smaller premium.

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Domiciliary Hospitalization

Covered up to sum-insured (100%)

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Domiciliary Hospitalization

Covered up to sum-insured (100%)

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Domiciliary Hospitalization

Covered up to sum-insured (100%)

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Domiciliary Hospitalization

Covered up to sum-insured (100%)

How Does a Pre-Existing Disease Affect Health Insurance Policy? 

While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs. Also, an employer health insurance covers you only during your job tenure.

First 30 Days

You need to wait 30 days from the start of the policy date towards treatment of any illness except claims. You need to wait 30 days from the start of the policy date towards treatment of any illness except claims. You need to wait 30 days from the start of the policy date towards treatment of any illness except claims.

First 30 Days

You need to wait 30 days from the start of the policy date towards treatment of any illness except claims. You need to wait 30 days from the start of the policy date towards treatment of any illness except claims. You need to wait 30 days from the start of the policy date towards treatment of any illness except claims.

First 30 Days

You need to wait 30 days from the start of the policy date towards treatment of any illness except claims. You need to wait 30 days from the start of the policy date towards treatment of any illness except claims. You need to wait 30 days from the start of the policy date towards treatment of any illness except claims.

Things to Do When Buying Health Insurance for Pre-Existing Conditions

Reliance hai sath to darne ki kya baat!!

Entry age for the policy

18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91 days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age

Entry age for the policy

18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91 days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age

Entry age for the policy

18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91 days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age

Entry age for the policy

18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91 days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age. 18-65 years adults can buy the policy for themselves & family. Children can be covered from 91days to 25 years of age

Disclaimer of Reliance General Insurance

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While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs. Also, an employer health insurance covers you only during your job tenure.

Tax Benefits for the proposer

Tax Benefits for the proposer

Tax Benefits for the proposer

Tax Benefits for the proposer

Popular Places

While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs. Also, an employer health insurance covers you only during your job tenure.

Tax Benefits for the proposer

Tax Benefits for the proposer

Tax Benefits for the proposer

Tax Benefits for the proposer

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Frequently Asked Questions (FAQs)

Which insurance plans cover pre-existing conditions in India?

At IndusInd General Insurance, we offer a range of health insurance plans for pre-existing conditions. These include the IndusInd Health Gain, IndusInd Hospi Care, IndusInd Health Infinity, IndusInd Health Global and IndusInd Health Super Top-Up. With coverage for pre-existing conditions, these plans safeguard your finances against recurring medical expenses, ensuring reliable support for managing chronic illnesses.

How do insurance companies check for pre-existing conditions?

Insurance companies check for pre-existing conditions primarily through your medical history declaration where you provide details of past illnesses, treatments and ongoing medications. They may also request medical records, test results or doctor notes to verify your health status. For certain policies, a medical examination may be required, depending on your age and the sum insured.

Is high BP a pre-existing condition?

Yes, high blood pressure (hypertension) is considered a pre-existing condition. It must be disclosed when applying for a health insurance for pre-existing conditions as it may affect the waiting period, premiums or coverage for related treatments.

Can I claim health insurance after 1 month?

It depends on your health insurance policy as different plans have varying waiting periods. Some policies have a 30-day waiting period while others extend up to 90 days. For health insurance for pre-existing conditions, the waiting period is typically 36 months which means you cannot file a claim related to such conditions during this period.

Can you buy health insurance after a diagnosis?

Yes, you can purchase health insurance for pre-existing conditions even after a diagnosis. However, pre-existing conditions may have a waiting period before coverage applies. It is important to review different policies carefully to understand terms, exclusions and when you can file a claim for existing illnesses.

What happens if you do not disclose pre-existing conditions?

If you do not disclose pre-existing conditions when buying a health insurance policy, it can lead to claim rejection or policy cancellation later. Insurers rely on accurate information to assess risk so non-disclosure, incomplete or misleading details can result in denied benefits when you need them most.

Can I be denied health insurance because of a pre-existing condition in India?

In India, insurers cannot outright deny health insurance due to pre-existing conditions. However, coverage may include a waiting period, higher premiums or exclusions for certain treatments. It is important to review policy terms before purchasing. For more information, get in touch with our team.

What is the maximum pre-existing waiting period for an individual health plan?

For health insurance for pre-existing conditions, the maximum waiting period is usually 36 months. This means that during this time, any treatment related to those conditions will not be covered by the policy. However, some policies may offer reduced waiting periods through add-ons. It is important to check the specific terms and conditions of the policy before purchasing.

How to reduce the waiting period for pre-existing conditions in health insurance?

You can reduce the waiting period for pre-existing conditions in health insurance by opting for our Change in Pre-Existing Waiting Period add-on. Note that selecting this add-on will increase your premium.

Is anxiety a pre-existing condition for insurance?

Yes, anxiety is generally considered a pre-existing condition for health insurance.

Is there any health insurance without a waiting period?

At IndusInd General Insurance, we offer health insurance plans with no waiting period for claims arising from accidents. However, for other treatments and illnesses, a short waiting period of either 30 or 90 days applies*, depending on the policy you choose.

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