What is Importance to Disclose Pre-Existing Diseases to Your Insurer?


5 min read

Health insurance policies come with a clause of Pre-Existing Disease waiting period. A policy seeker is expected to disclose all the pre-existing diseases at the time of buying a policy. Let us find out why it is necessary to disclose them, in this post. 

 The likelihood of suffering from diseases becomes more with age. Diseases like hypertension, diabetes, etc. are common phenomena among most people these days.  A health insurance policy is a cover that protect policyholders from the expenses incurred on the treatment of such diseases. However, you may note that most health insurance policies are available with a Pre-Existing Disease (PED) clause. 

Under this clause, if an individual is suffering from any PED, he/she can avail the benefits of coverage for such diseases after completing the PED waiting period. Generally, a PED waiting period might range from 2 to 4 years depending on the particular health insurance plan and the insurer that you are buying the policy from.  

In this post, we are discussing pre-existing disease health insurance and the reason why it is important to disclose the already existing diseases to your insurer while buying a health insurance plan.

What’s Inside?

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Pre-Existing Diseases Under Health Insurance Plans

Pre-Existing Diseases (PED) in health insurance means the ailments that an insured is already suffering from at the time of buying a health insurance policy. Though most healthcare policies offer coverage against PED, there is a waiting period applied by the insurer that the insured has to undergo before availing coverage on such diseases. Hence, individuals with health insurance policies can claim the  expenses incurred on PED treatment after undergoing the waiting period. In most cases, the duration of the PED waiting period is between 2 – 4 years. So, a policyholder cannot avail coverage against PED conditions from Day 1 of the policy initiation date. Rather, they have to wait for a particular time period before they could avail the coverage on PED.

Even if a policyholder makes a claim against PED ailments before the completion of the waiting period, the insurer rejects the claim and no compensation is paid unless the waiting period for such diseases is over.  However, there are certain health plans that allow coverage against pre-existing diseases from Day 1 of the policy commencement. 

Also, health insurance providers charge extra premium costs on health plans for people who have pre-existing diseases. Since policyholders with PED are likely to raise claims against diseases that they are already suffering from. Hence, they are regarded as liability for the insurer and so the insurer charges them extra.  

This is one reason why many people try to hide the PED that they are suffering from at the time of buying a plan from their insurer. However, this is a bad idea as the policyholder might get into trouble by not disclosing the ailments that they are suffering from while buying a policy. 

Let us now check why it is so important to disclose the pre-existing diseases to the insurer while buying a health insurance plan.

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Also Know: Pre-Existing Disease in a Health Insurance Policy

Why Disclosing Pre-Existing Diseases to Insurers is its Importance?

To avoid paying extra premium on health insurance, most policy seekers tend to hide pre-existing diseases from insurers. However, not disclosing the PED while availing a policy is a fault that should be avoided by policyholders.  

So, what is the importance to disclose pre-existing diseases list at the time of policy purchase?

Actually, health insurance providers levy premiums on particular health plans for different policyholders depending on various factors. Some of these factors include age of individuals, health condition, or any existing diseases that the individual is suffering from, etc.  All this information is required to be filled in the proposal form by the policyholder at the time of buying a policy.  

The information offered in the form is regarded as accurate and is accepted by the insurer. Based on the same, the premium of the policy and other things are also determined. Hence, if a policyholder is suffering from any pre-existing disease, he/she is expected to disclose the same sincerely so that the right premium and other things can be decided. Now, if a person offers false information, it is considered as violation of trust and he/she is likely to get penalized by the insurer. 

Further, if the existence of PED is disclosed later during the tenure of the policy, the insurer may make the health plan null and void, and might reject the claim for breaching trust.   

Also, some insurers might take legal action against the policyholder on charges of fraud for providing false information. To avoid such hassles, it is better to disclose PED that you may be suffering from at the  time of policy purchase.

Read More: Top 5 Cashless Health Insurance Policies in India

To Sum Up

Though pre-existing disease cover health insurance makes a health policy expensive. However, these plans provide security against such diseases. Making the mistake of hiding pre-existing diseases is something that a policyholder should never do. This way, they can stay away from any trouble in the future in terms of claim rejection and penalty. Hence, ensure that you offer your accurate personal and medical details to your insurer while you apply for a health insurance policy.

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FAQs: Why is Disclosing Pre-Existing Diseases important?

What can happen if I don't disclose my pre-existing health conditions at the time of buying a policy?

If you hide your pre-existing health conditions while buying a health insurance policy, it will be regarded as breach of trust. Hence,  if the insurer comes to know about it later, the insurer might make the policy null & void and reject your claims as well.

What is the difference between medical history and a pre-existing disease?

There is a difference between a pre-existing disease and medical history. A PED may include any disease that an individual is having for 48 months before applying for a health insurance plan. On the other hand, medical history may include any ailment that a person might have been suffering from since childhood.

What is pre-existing disease meaning?

Pre-existing disease is a medical condition or illness that a policy seeker is already suffering from while buying a health insurance plan. For example, diabetes, hypertension, cancer etc.

What are the pre-existing conditions for health insurance?

Pre-existing diseases insurance refers to the medical conditions that a policy seeker is already suffering from while purchasing an insurance plan. These diseases may determine the premium of health insurance policies. Some of these conditions include asthma, thyroid, high blood pressure etc. 

Why do I have to declare my pre-existing health conditions?

You must declare pre-existing medical conditions while buying a health policy because these conditions serve as a factor to determine your health insurance premium. 

Dec 26, 2022
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PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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