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Fine Prints on Pre-existing Illness Clause of Health Insurances

You’ve probably encountered those instances when you face a dilemma regarding your health. There are expats who were unaware of the right thing to do during those times and that can lead confusion and, at times, misconceptions. It usually happens when you are not well-oriented with the facts on insurances. There are times when you tend to secure yourself with an insurance policy, but you end up in a disappointing mess because you ‘thought’ you did the right thing. It can’t you, only you who is to blame in this regards because there are things you and your insurer should have settled before the problem occurred.
Know this: insurance contracts are piles of paper that most people, if not all, do not necessarily understand. With all those technical words, who would take the time to study it word for word? One topic that the ‘fine prints’ of health insurances usually contains is about pre-existing health conditions. It usually refers to health illnesses or diseases that you or your family members are suffering with and receiving treatment for prior to obtaining an insurance policy. The clauses regarding this topic do not usually arise during discussions between the insurer and the expat. That is why; you need to have some time to review the documents and ask relevant questions. It will avoid instances where you will be troubled by high hospital bills in the future.
The clauses may contain details of whether you qualify for claims even if you have a pre-existing condition. Most of the time, insurance companies do not include pre-existing illnesses in their coverage, or they may provide limitations. You need to read carefully in this regard. There are individual cases that you’re awareness is highly necessary.
Pre-existing diseases may, under the clause, prohibit you from availing insurance payment from the company if you are suffering from injuries or illnesses before your date of coverage in the insurance plan. It means that when you count back to the time (few months ago) you need to be sure to state anything regarding this topic. There are some exclusions and inclusions in the clauses, and that also depends on the type of illness that you have. Take note that you shouldn’t be experiencing or suffering from any sickness prior or coinciding with the effectiveness of the policy. If that is so, you can expect that you can’t claim your insurance.
Typically, there are disputes that arise due to the existing conditions like chronic respiratory and cardiac problems that lead to the development of various pre-existing illnesses. If you are talking about the ‘period of time’ or the length of the disease, here are the things you should remember that causes debates:
Was there an existing illness prior to the commencement of the insurance coverage?
Was the policyholder aware that he or she is suffering from a current disease and was out in the open upon check-up?
Did the policyholder intentionally hide about his or her condition?
Did the policyholder purposefully take an insurance coverage because of the awareness of the health problem?
Was there a discrepancy between the dates of diseases with regards to client’s claim and hospital records?
Is the client holding a fresh policy?
Debates on these matters usually take time but once these are addressed, the next you need to know as pointers are the requirements for claims.
According to IRDA, the policyholder can only be eligible to claim his or insurance money when she is a policyholder for a minimum of four (4) years. And you shouldn't have a break in being a coverage owner.
Within those numbers of minimum years, the policyholder shouldn’t have received medical treatment for pre-existing disease – that also means no claiming from the insurance company.
Take note that there should be a ‘continuous four (4) claim-free years’ to become an eligible insurance, holder.
Insurance coverage for pre-existing conditions varies widely from one insurance provider to another. That is why; people recommends that as an expat insurance holder, you need to know the regular updates on the latest insurance products and promos in the market. For those who wish to obtain an insurance policy while being aware of a pre-existing condition, they need to pay an ‘extra’ for the coverage.
If you still haven’t got a hold of yourself of an insurance policy, it is important that you keep these points in mind and start looking for one at this link. You are purchasing insurance; therefore, you need to exploit your advantages to the maximum. Be careful with the details and if you have something you need to clarify, the insurance agent can give you the proper background. But it may be better if you a lot a good amount to pay for additional coverage if you have a pre-existing illness. It will make you save you a lot of time without the dispute and an immediate medical attention at hand.
August 20, 2015 00:00:00


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