Understanding health insurance can be ͏difficult, particularly for those with existing medical conditions. However, it is achievable to find suitable coverage. In this blog post, we offer a detailed overview of health insurance for pre-existing conditions in India. Learn about the choices available, coverage details and ͏important facts to assist you͏ in obtaining affordable͏ and inclusive health insurance despite your current health issues͏.

Understanding health insurance for Pr͏e-exi͏sting Conditions͏:

Before exploring health insur͏ance choices ͏it is important to͏ grasp what pre-existing con͏ditions are? It is important to understand the medica͏l issues that belong in this gr͏oup and how͏ they can ͏affect your͏ health insurance coverage.

Pre-existing conditions are health issues that you may have before applying for a health insurance policy. It can range from a range of issues like diabetes, asthma, hypertension, or heart issues. Insurance companies often hesitate to provide coverage for individuals with pre-existing conditions due to perceived higher risk.  This leaves individuals with chronic health issues struggle to find the correct coverage

Key strategies to overcome rejection

  1. Research and Compare Plans

Not every insurer have similar policies regarding health insurance for pre-existing conditions, it is important to read and understand policy documents before shortlisting the one, especially when you have a pre-existing conditions. Insurance aggregators like Fincover can provide you a platform to compare various parameters of health insurance policies from multiple insurers, thereby you can take a well-informed decision.

  1. Disclose your health issues clearly

It is important to disclose all your health issues at the time of buying a health insurance or mediclaim policy. Hiding the details would leave you denial of claims which would result in hefty medical bills. Provide accurate details during the application process

  1. Waiting Period

It is important to understand that most insurance policies have waiting period for covering pre-existing illness. While it may require patience, but the results of such waiting period would be worth the wait

  1. Seek Professional Help

Being an unassumed individual, you may not have sufficient knowledge about all the insurance policies. In such cases, it is important to seek advice from insurance experts. At Fincover, we have individuals with decades of experience in Insurance sector, which can help you assist pick the best health insurance policy tailored to your needs

  1. Group Insurance

Generally, group insurance policies have more lenient terms regarding pre-existing health insurance conditions. If you’re part of a group or organization, enquire about the medical coverage policy. Most MNCs and corporates offer health insurance policies for their employees, with options to include their family too

  1. Coverage for Chronic Conditions:

Chronic conditions require ongoing medical attention, making comprehensive coverage crucial. The comorbidity risks are high when you have a chronic condition like diabetes. Explore the coverage options available and the factors to consider when selecting a policy.

Overcoming Challenges and Maximizing Benefits:

Dealing with pre-existing medical conditions while seeking health insurance can be challenging. At Fincover, we provide practical tips and guidance on how to overcome obstacles, negotiate with insurers, and obtain the best coverage suited to your needs.


You can get health insurance for your existing health problems in India if you know what to do and how to do it. If you know what your health insurance covers, look for ways to save money, and use special plans for specific health needs, you can make sure youre ready for any medical costs that come up. Dont let a denied insurance application bring you down. You can take control of your health and insurance journey, and get the coverage you deserve.

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