What qualifies as pre-existing condition?

A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can’t refuse to cover treatment for your pre-existing condition or charge you more.

What are pre-existing conditions exclusions?

The time period during which a health plan won’t pay for care relating to a pre-existing condition. Under a job-based plan, this cannot exceed 12 months for a regular enrollee or 18 months for a late-enrollee.

Is arthritis a pre-existing condition?

Arthritis is generally considered pre-existing medical condition. This doesn’t necessarily mean you can’t get travel insurance, but you do need to disclose your condition before you book your cover. With arthritis, you’ll need to declare your specific type of arthritis whether it’s osteo, rheumatoid, or psoriatic.

Is High Cholesterol a pre-existing condition?

High cholesterol as diagnosed by a physician is considered to be a pre-existing condition by most – if not all – travel insurers. Ensure you tell your insurer about any pre-existing conditions before you take out the policy.

Which disease comes under pre-existing?

Some of the most common pre-existing conditions include thyroid, high blood pressure, diabetes, asthma, cholesterol, etc. Most health insurance companies have a waiting period that can last from a couple of months to a few years before you start covering pre-existing illnesses.

How long is a condition considered pre-existing?

Conditions for Exclusion

HIPAA did allow insurers to refuse to cover pre-existing medical conditions for up to the first 12 months after enrollment, or 18 months in the case of late enrollment.

Is high blood pressure considered pre-existing?

Other Types of Pre-existing Conditions

Hypertension (high blood pressure) is an example of one such common pre-existing condition affecting more than 33 million adults under 65.

Is blood pressure a pre existing disease?

Pre-existing diseases refer to medical conditions that intending policyholders are already suffering from while purchasing an insurance policy. These may include asthma, thyroid, high blood pressure, etc.

Is blood pressure pre-existing?

High blood pressure (also called hypertension) is a common pre-existing medical condition, and can be covered by your policy – but you need to meet the conditions below.

What diseases are not covered by insurance?

Few of them are:
  • Cosmetic Surgery. A surgery of this kind is not life threatening or dangerous, thus Liposuction, Botox or surgeries of a similar kind are not covered under a health insurance policy.
  • Pre-existing Diseases. …
  • Pregnancy and Abortion. …
  • Diagnostics Expenses. …
  • Miscellaneous Charges. …
  • Health Supplements.

How do insurance companies know pre-existing conditions?

There are some insurance providers who, while determining an applicant’s pre-existing medical condition, will consider their medical history in entirety. Some other providers may only consider at the applicant’s medical history for a period dating back to the past 4 years.

What medical conditions do you have to declare for travel insurance?

If you’ve ever had any of the following, you’ll always need to declare it on your travel insurance: A cardiovascular condition – including high blood pressure or cholesterol. Any heart condition.
…
  • Symptoms.
  • Treatment/medication.
  • Investigation.
  • Medical appointments.
  • Follow-ups.
  • Check-ups.
  • Surgery.

What happens if you don’t disclose pre-existing condition?

What happens if I don’t disclose pre existing diseases? Non-disclosure of the pre existing disease can result in denial at the time of renewal of the policy or dishonoring of claims if made for such diseases.

Can insurance be denied for pre-existing conditions?

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

What happens if you don’t disclose pre-existing condition travel insurance?

If you don’t disclose you’re pre-existing medical conditions your Travel Insurance policy may become invalid. This could result in you having to pay extensive medical bills should the worse happen. If your policy is invalid – you’ll have to personally pay the costs for: Medical treatment.