Health Insurance Pre Existing Condition Is A Complex Matter

By Author: Lester Hobbs
Total Articles: 51
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While applying for the health insurance coverage, it is very vital to be clear about the policies of an insurance company on pre-existing conditions. Any of the medical ailments before applying for health insurance coverage to a particular company is regarded pre-existing condition. Suppose, you have visited a doctor with a back pain and you received the injury four years ago, then in such a condition an insurance company will consider your condition as a pre-existing condition.

Each of the companies in the health insurance sector has its own definition of pre-existing condition. The pre-existing conditions will determine the rates of premiums of various insurance policies. But, it does not mean that it will be very much higher. Time span is also a matter to consider in determining the rates of premiums. In the matter of giving coverage insurance companies differ from each other to give coverage to the people with pre-existing conditions. There are some insurers who will take ailments up to three ago from the date of applying for insurance coverage under the umbrella of ailments which were pre-existed in the body of the ...
... applicant. Some take the ailments up to four or five years ago. All these are dependent upon the decision of the management after evaluating the market condition. Generally, an applicant will be able to understand how an ailment will be considered by the insurer by going through the “Exclusion” page in the brochure from the company.

A lot of people are being denied insurance coverage. They are denied on the ground of such issues which we are discussing now. Some of the important health problems which are considered under this category are diabetes, cancer, high blood pressure, asthma, heart diseases and other ailments. Some of them are forced to take separate insurance policies, such as health insurance high blood pressure for the people with high blood pressure.

Some companies reject such cases completely. They are bothered a lot with possible negative impacts which may prick the company to suffer more. They think that only healthy customers are beneficial to the company. Health insurance pre existing conditions are one of the burning issues in the field of medical insurance. It will definitely affect the coverage of a person. Whenever someone is applying for health insurance, many insurers will rush to him, but few will remain there after evaluating the medical history of the applicant. The fewer will be ready to provide service if the customer is ready to subscribe accepting the proposal of exclusion period for pre-existing condition.

The exclusion period will differ from one company to another. This period may extend from six months to one year. During this time, the person will not be provided any medical assistance for the pre-existing ailments. Though the insurer has provided insurance coverage to the applicant with such a condition and has been paying monthly premiums, but s/he is to accept that exclusion period. For health insurance overweight also, some pre existing conditions are taken into consideration.

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