Can I Get Health Insurance If I Have A Pre-existing Illness?

Address one of the most common doubts related to health insurance purchases

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Several people delay buying health insurance, especially if they are healthy, because they are of the opinion they don’t need it at the time. However, the purpose of health insurance may be defeated if it is purchased following an illness. In fact, it might never be too early to purchase health insurance. The first time you decide to buy health insurance is the best time to get it. In fact, health insurance can be brought even if you have a pre-existing ailment. Read further to find out how health insurance can be purchased in such a situation.

Buy Health Insurance Without Further Ado

If you are suffering from a pre-existing illness, it is recommended that you buy health insurance right now without any delay. By doing so, you will ensure that other illnesses are covered in your health insurance. For example, if you are suffering from hypertension, and do not have health insurance, you can purchase a health insurance policy to cover other ailments. In fact, your health insurance provider may cover your pre-existing illness after your waiting period is completed. So, the sooner you do this the better.

Declare Your Pre-existing Illness Honestly

At the time of purchasing health insurance, your insurance provider will ask you questions on the status of your health. If you are suffering from an illness, ensure that you declare this honestly, especially to avoid any problems with claims at a later stage.

Moreover, if your declaration is found to be untrue, your health insurance provider may cancel your policy on the grounds of dishonesty. You may not be eligible to buy health insurance from the same insurance provider in the future too.

Can My Claim Be Rejected?

Your claim will be rejected only if it is related to a pre-existing illness. However, if you have completed the stipulated waiting period for the specified pre-existing illness, the claim will be honoured by the health insurance provider subject to the terms and conditions of your policy.


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