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1.1%First documentWhat Is Health Insurance & Why It is Important | ManipalCigna BlogOpen original ↗
Second documentPre-Existing Conditions in Health Insurance | ManipalCignaOpen original ↗
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Impact of Pre-Existing Conditions on Coverage
Insurers typically ask applicants to disclose their medical history during the proposal stage. Depending on factors such as age and health status, a medical examination may also be required. Most health insurance plans include a waiting period before expenses related to pre-existing conditions become eligible for coverage.
Understanding Pre-Existing Conditions in Health Insurance
When you buy a health insurance policy, you might think that you are protected from all diseases and that every treatment is included in your medical insurance plan. However, all medical insurance plans have a pre-existing condition clause that requires the policyholder to wait a certain period of time before coverage can take effect. This clause is introduced to ensure that health insurance providers do not lose client commitment, and people do not misuse health insurance policies.