Pre-existing medical conditions are illnesses or injuries that exist before you take out a health insurance policy, they include chronic diseases, such as hypertension, respiratory diseases, and diabetes as well as any diseases that you may be receiving treatment for, such as cancer. Mental health conditions such as depression and anxiety may also fall under pre-existing conditions

Pre-existing diseases need to be declared while buying health insurance because your policy is underwritten based on your health declaration

As per the requirement of the insurer, certain policies/member addition is included with a medical application form, where the pre-existing medical conditions including signs and symptoms must be declared.

The insurer would require the MAF (medical application form) to understand the risk of the policy and to cover the conditions with an additional premium, if required.

Any undeclared pre-existing condition will not be covered (MAF required policies) as per the medical policies and hence it is necessary to declare the pre-existing condition to avail the coverage of the conditions.

Depending on the plan (whether Individual or Group), declaration of pre-existing chronic conditions is important for the insurance company to provide coverage of the declared conditions for the policy year. A medical application form (MAF) and the latest medical report are required to be submitted for the insurance company to review the current health condition of the member. An additional loading/premium on top of the standard rate will be levied for the declared cases. The final premium amount will be decided by the insurance company upon reviewing the submission.

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