Declare all pre-existing diseases or your health insurer will reject claims

It is a well-known fact that COVID-19 has the greatest impact on people with co-existing conditions. However, there is another reason patients with co-morbid diseases should be wary of. They had to disclose an existing disease a few years ago when purchasing an insurance policy.
Non-life insurers cover the cost of treatment for COVID-19 and pre-existing illnesses, but there are cases of companies refusing claims for nondisclosure of previous illnesses.
For example, consider the case of 50-year-old Sujay Singhi (name changed) who was hospitalized for COVID19 in April. He had high blood pressure when he bought insurance in 2016. However, the deliberation completely left the insurance agency process to itself, which did not mention it in the proposal. His COVID19 claim was rejected when the insurance company discovered his condition in his medical files shared by the hospital. MahavirChopra, founder of Beshak.org, says: Whether your treatment is related to an undisclosed disease or not, your claims are likely to suffer. “For example, if you hide a history of high blood pressure, but are hospitalized for vitamin deficiency, your claim denial policy can also be revoked,” explains Chopra.
“Many people are ignoring to declare a pre-existing disease or medical condition at the time of purchase of an insurance policy. Many patients are aggravating with symptoms such as diabetes or high blood pressure,” says ShreyansVijay, Fisdom’s lead person. A full disclosure of past history is also important for the Corona virus care policy specifically covering co-existing conditions alongside COVID-19 treatment. “A co-morbid condition is rejected because it increases the overall risk for the insurer and (non-disclosure) can be considered misrepresentation,” says DrSudhaReddy of HeadHealthInsurance at DigitInsurance. Severity of COVID, even post-COVID consequences. Insurance companies take this offer seriously, based on declarations made by policyholders for medical history and pre-existing conditions. If you do not declare your illness it could be considered a violation of the faith.
Regulatory IRDAI defines pre-existing illness as a condition, injury, illness or illness diagnosed by a physician within 48 months of the effective date of a health insurance contract. During this time, it is a disease that is under examination and treatment by a doctor. These diseases usually only apply after a waiting period of up to four years.
However, at the issuance of the policy, the full medical history, not just the 48 months of illness, is taken into account. “Disclosure has nothing to do with the waiting period for pre-existing diseases. At the request of the insurance company, any medical condition you are suffering from must be disclosed. Chopra says: Let’s say you have recovered from an infection such as H1N1 flu or tuberculosis 48 months or more before you purchase
insurance. I haven’t been treated in the last 48 months. It is not possible here to set a waiting period for illness that the insurance company agrees with the insurance policy. “The insurance company accepts such a proposal without any additional terms or premiums if the illness is not inherently important. When submitting the proposal, the claim that the existing terms are declared. You are less likely to be queried at this stage. Conversely, if you do not disclose important information, you may need additional questions to evaluate each case on medical grounds, “Joshi said. say.

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