1. IRDA standardized the definition of "pre-existing diseases" in Oct'13, which are defined as “any condition, ailment or injury or related condition(s) for which insured had signs or symptoms, and /or was diagnosed, received medical advice or treatment within 48 months prior to first policy issued by insurer".
2. Hence, any ailment with an earlier history, and without any relapse, won't have a waiting period while purchasing a new health policy, if still eligible as per age and other qualifying norms.
3. Therefore, going by definition, an earlier condition isn't a pre-existing illness any more, although it's always advisable to declare it, even if totally cured, to avoid problems later.
4. Also, if there are any signs or symptoms related to disease for past 48 months prior to applying for a new policy, even if not under treatment, it's then treated as pre-existing illness.
5. Acceptance of proposal by insurer will, however, depend on evaluation by underwriters, risk managers with specialised skills, and with own terms and conditions imposed thereafter.
2. Hence, any ailment with an earlier history, and without any relapse, won't have a waiting period while purchasing a new health policy, if still eligible as per age and other qualifying norms.
3. Therefore, going by definition, an earlier condition isn't a pre-existing illness any more, although it's always advisable to declare it, even if totally cured, to avoid problems later.
4. Also, if there are any signs or symptoms related to disease for past 48 months prior to applying for a new policy, even if not under treatment, it's then treated as pre-existing illness.
5. Acceptance of proposal by insurer will, however, depend on evaluation by underwriters, risk managers with specialised skills, and with own terms and conditions imposed thereafter.