I have a pre-existing condition. Can I get insurance coverage?

[igorvolseo]

Any body suggest me, I have a pre-existing condition. Can I get insurance coverage? How will my pre-existing conditions impact my policy and rates?

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[Naresh]

Pre-existing disease canbe covered after 4 years. Some Exclusions for Preexisting diseases -
a) Exclusion of certain named diseases in the first year of the policy.
b) Congenital external disease, sterility, venereal disease, intentional self-injury, use of drugs, alcohol, rest cure etc.
c) AIDS
d) Charges primarily for diagnostic, laboratory examinations, and not related to any treatment in hospital. So also for vitamins and tonics unless prescribed for treatment.
e) Dental treatment not requiring hospitaiisation.
f) Treatment arising from or traceable to pregnancy, childbirth, including caesarean.
g) Naturopathy treatment.

[Naresh]

You also check following thread -
http://www.policywala.com/showthread...ting-diseases?
http://www.policywala.com/showthread...o-is-diabetic?