Navigating health coverage: 10 Must-knows about insuring pre-existing medical conditions


30 Aug 2023

Crucial Insights for Securing Health Coverage with Pre-Existing Conditions.

When you have a pre-existing medical condition, the process of obtaining adequate coverage can be more complex. In this article, we'll explore ten essential factors you should know about insuring pre-existing medical conditions to ensure you make informed decisions and secure the coverage you need.

Definition of a pre-existing medical condition

A pre-existing medical condition is typically defined as any illness, injury or health issue that you've been diagnosed with or received treatment for before applying for health insurance. This could range from chronic conditions like diabetes or heart disease to past surgeries or even mental health disorders.

10 factors you must know about inspiring pre-existing medical conditions

  • Full disclosure is non-negotiable

Failing to disclose your pre-existing conditions during the application process can result in policy rejection or coverage denial if the omission is discovered later. When applying for health insurance in India, honesty is the best policy.

  • Waiting periods for pre-existing conditions

Most health insurance policies in India come with waiting periods for pre-existing conditions. This means that you won't be able to make claims related to your pre-existing condition for a specified period, usually ranging from 2 to 3 years, depending on the policy.

  • Portability option

Under the Insurance Regulatory and Development Authority of India (IRDAI) guidelines, you have the option to port your health insurance policy from one insurer to another without losing the continuity benefit. This is especially useful for those with pre-existing conditions, as you can carry forward the waiting period served with kotak general insurance.

  • High premiums for pre-existing conditions

Be prepared for higher premiums if you have pre-existing medical conditions. However, it's crucial to shop around and compare quotes to find the best deal at kotak health insurance.

  • Choose the right type of policy

Consider your specific needs and family circumstances when choosing the most suitable policy type. In India, you can opt for different types of health insurance policies, including individual plans, family floater plans and critical illness plans.

  • Specific disease coverage

Specific disease coverage policies are tailored to individuals with certain pre-existing conditions, such as diabetes or heart disease. These policies can be beneficial as they focus on your particular health needs.

  • Seek expert advice

Consider consulting our customer support at kotak general insurance to help you find the right policy. Navigating the health insurance landscape in India can be complex, especially when dealing with pre-existing conditions.

  • Pre-existing waiting period reduction

Policies with a reduced waiting period are offered for pre-existing conditions if you maintain good health and follow prescribed treatments for a certain period. This can be advantageous in the long run.

  • Check network hospitals

Ensure that your chosen health insurance policy provides access to a network of hospitals and healthcare providers that are convenient for you.


Navigating health coverage with a pre-existing medical condition can be challenging, but it's far from impossible. With the right information and approach, you can obtain comprehensive health insurance that provides peace of mind for you and your loved ones.

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Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.