Get to know Pre-Existing Conditions in Health Insurance
Health insurance is an important form of financial protection for everyone. However, before buying health insurance, it is better to understand the concept of "pre-existing conditions" or medical conditions that existed before someone bought health insurance.
What are Pre-Existing Conditions?
Pre-existing conditions are medical conditions that existed before someone bought or signed up for health insurance. Examples are heart disease, diabetes, asthma, cancer, or other medical conditions that have been diagnosed before someone buys health insurance.
How Do Pre-Existing Conditions Affect Health Insurance?
When someone buys health insurance, the insurance company will evaluate their health condition by asking for medical information and medical history. If there are pre-existing conditions reported, the insurance company will assess the risk higher and may provide certain conditions or exclusions in the insurance policy.
For example, an insurance company may set a certain time limit before someone can file a claim regarding a pre-existing condition. In addition, the premium paid by someone with a pre-existing condition may be higher than someone without the same medical condition.
However, some insurance companies also offer health insurance policies that are able to provide protection for pre-existing conditions with higher premiums or special requirements.
What Should Be Done Before Buying Health Insurance?
Before buying health insurance, it is important to carefully check the terms and conditions of the insurance policy to be purchased. Be sure to check whether the insurance company provides exceptions or special conditions for pre-existing conditions, as well as how claims related to pre-existing conditions will be handled.
If someone has a pre-existing condition, it is better to discuss it with the insurance company first before buying health insurance. This can help someone understand how pre-existing conditions can affect insurance policies and how someone can get the best protection for their health conditions.
Conclusion
Pre-existing conditions are medical conditions that existed before someone bought or signed up for health insurance. This medical condition can affect the premium paid and the terms of the insurance policy. Therefore, it is important to carefully check the terms and conditions of the insurance policy before buying health insurance, and discuss with the insurance company if it has a pre-existing condition. That way, a person can get health protection according to their health conditions, including pre-existing conditions, and avoid unwanted inconveniences or surprises when submitting claims related to pre-existing medical conditions.