{"id":2095,"date":"2022-09-18T13:04:18","date_gmt":"2022-09-18T07:34:18","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=2095"},"modified":"2022-11-17T09:58:19","modified_gmt":"2022-11-17T04:28:19","slug":"non-disclosure-of-pre-existing-diseases-can-lead-to-trouble","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/non-disclosure-of-pre-existing-diseases-can-lead-to-trouble\/","title":{"rendered":"Non-disclosure of Pre-Existing Diseases Can Lead to Trouble"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/non-disclosure-of-pre-existing-diseases-can-lead-to-trouble\/#What_is_a_Pre-Existing_Disease\" >What is a Pre-Existing Disease?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/non-disclosure-of-pre-existing-diseases-can-lead-to-trouble\/#Do_Health_Insurance_Policy_Covers_Pre-Existing_Diseases\" >Do Health Insurance Policy Covers Pre-Existing Diseases?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/non-disclosure-of-pre-existing-diseases-can-lead-to-trouble\/#What_will_Happen_If_You_Do_Not_Disclose_a_Pre-Existing_Disease_to_Your_Insurance_Company\" >What will Happen If You Do Not Disclose a Pre-Existing Disease to Your Insurance Company?<\/a><\/li><\/ul><\/nav><\/div>\n<p>Naresh was diagnosed with diabetes in mid-2019. He had a health insurance policy since 2017. In 2020, Naresh was admitted to Hospital due to an episode of Covid. In the medical report, the attending doctor remarked, \u201ca known case of diabetes for the past two years\u201d. The insurance company rejected the claim of Rs. 4 lakh on the grounds of the pre-existing disease (diabetes).<\/p>\n<p>Naresh tried explaining to the insurance company that diabetes was diagnosed in 2019, but the insurance company was not convinced.<\/p>\n<p>The family felt disheartened as they regularly paid the premium money, however, the claim was denied.<\/p>\n<p>Naresh approached Insurance Samadhan with his case. After understanding the case, we understood that the documentation was not proper. He guided him with his case and helped him get his money back.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-2097 size-full\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/1.jpg\" alt=\"Non-disclosure of Pre-Existing Diseases Can Lead to Trouble\" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/1.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/1-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/1-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/1-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/1-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/1-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_Pre-Existing_Disease\"><\/span><b>What is a Pre-Existing Disease?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Any past incident of diagnosis and treatment of disease is called pre-existing. Any incident of hospitalization or operation should be informed to the insurance company. Any incident where you have availed the health insurance benefit through personal or group insurance needs to be intimated too. You should give all information honestly and let underwriters decide whether to accept the proposal or not.<\/p>\n<p>Insurance Company classifies the diseases which have happened in the last 48 months as pre-existing diseases. These diseases can be subject to exclusion as per the terms and conditions of the insurance company.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Do_Health_Insurance_Policy_Covers_Pre-Existing_Diseases\"><\/span><b>Do Health Insurance Policy Covers Pre-Existing Diseases?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A health insurance policy may cover pre-existing diseases after a waiting period. During this period, if the customer falls sick due to the pre-existing disease and was hospitalized, then the health insurance will not cover the disease. And if nothing happens during the waiting period, then the policy will cover the disease.<\/p>\n<p><span style=\"font-weight: 400;\">Note: Usually, the waiting period ranges from 1 to 4 years.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_will_Happen_If_You_Do_Not_Disclose_a_Pre-Existing_Disease_to_Your_Insurance_Company\"><\/span><b>What will Happen If You Do Not Disclose a Pre-Existing Disease to Your Insurance Company?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A policyholder is required to disclose all health-related issues in the <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/disclosures-in-proposal-form-of-health-insurance-for-pre-existing-diseases\/\">proposal form<\/a>. This will help the insurance company to evaluate the risk involved. Also, it will help in determining whether to accept the risk or not. If accepted, then the company will decide the premium rate of the insurance policy.<\/p>\n<p>If a policyholder conceals a disease at the time of purchasing the policy, and if the policy is approved, then at the time of claim, the company may reject it on the grounds of non-disclosure of pre-existing disease.<\/p>\n<p>Therefore it is best, to be honest about your pre-existing diseases.<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p>However, if you have already disclosed the pre-existing disease to the insurance company or you were not diagnosed with any disease before purchasing the policy, and later your claim was rejected on the grounds of non-disclosure of pre-existing disease, then communicate with your insurer.<\/p>\n<p><span style=\"font-weight: 400;\">If you are not able to fight your case, then contact Insurance Samadhan to help you.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurance Samadhan has resolved 14,500+ complaints related to insurance. We\u2019ll be happy to help you.<\/span><\/p>\n<p>Click on the below links to read some cases resolved by Insurance Samadhan:<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/5-reasons-why-health-insurance-claims-get-rejected-amid-covid-19\/\">Health insurance claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/how-can-you-avoid-insurance-mis-selling\/\">Delay in claim process<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Insurance mis-selling<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><strong>Click here<\/strong><\/a>\u00a0to register your complaint with Insurance Samadhan<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/non-disclosure-of-pre-existing-diseases-can-lead-to-trouble\/\"\n  },\n  \"headline\": \"Non-disclosure of Pre-Existing Diseases Can Lead to Trouble\",\n  \"description\": \"Any incident of diagnosis and treatment of disease is called pre-existing. Any incident of hospitalization or operation should be informed to the insurance company. Insurance Company classifies the diseases which have happened in the last 48 months as pre-existing diseases.\",\n  \"image\": {\n    \"@type\": \"ImageObject\",\n    \"url\": \"https:\/\/i0.wp.com\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/09\/1.jpg?resize=768%2C432&ssl=1\",\n    \"width\": \"1920\",\n    \"height\": \"1080\"\n  },\n  \"author\": {\n    \"@type\": \"Person\",\n    \"name\": \"Shailesh Kumar\"\n  },\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"Insurance Samadhan\",\n    \"logo\": {\n      \"@type\": \"ImageObject\",\n      \"url\": \"https:\/\/www.insurancesamadhan.com\/images\/logo.svg\",\n      \"width\": \"224\",\n      \"height\": \"47\"\n    }\n  },\n  \"datePublished\": \"2022-09-18\",\n  \"dateModified\": \"2022-09-18\"\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Naresh was diagnosed with diabetes in mid-2019. He had a health insurance policy since 2017. In 2020, Naresh was admitted to Hospital due to an episode of Covid. In the medical report, the attending doctor remarked, \u201ca known case of&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/non-disclosure-of-pre-existing-diseases-can-lead-to-trouble\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":2098,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[20],"tags":[24,181,180],"class_list":["post-2095","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-claim","tag-claim-rejection","tag-non-disclosure-in-insurance","tag-pre-existing-disease-health-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Non-disclosure of Pre-Existing Diseases Can Lead to Trouble<\/title>\n<meta name=\"description\" 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