High blood pressure and health insurance?

Question

blood pressure pre existing condition. IS it a pre-existing disease for health insuarance in india .What will not be covered in the medical insurance .please help

Answer 1

Friend,

This is entirely depends on the policy you are taking. Some companies insist to produce medical report for underwriter to analyze the risk of insured person. Most probably high pressure candidate will get health policy by excluding this pre-existing deceases.

But, there is an option for you. Clearly ask company if they exclude the pre-existing deceases at the time of taking the policy, in this case the high blood pressure and related deceases, then after how many years they can include these same as a rider.

Most companies will include an excluded deceases after 2 to 3 years if the person is in good stage throughout these time.

When you have time, just contact Start Health, they have some policies which will include the pre-existing deceases

As the previous answer said, don't go for ULIP for the medical purpose. that is foolishness... pure medi-claim policy is better and less costly compare with any policies that returning the premium back after the policy term.

Go ahead... everything possible

Answer 2

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Answer 3

High blood pressure should never be classified as a disease.  It is not a disease, but a possible symptom of an underlying condition.  Even so, one or two high blood pressure readings (and "high" needs to be strictly defined) could mean nothing.  If you are denied health insurance or insurance is restricted due to a couple of blood pressure readings, you need to question the insurance providers on how they arrived at their conclusions and perhaps refute them.