The purpose of health insurance, as the name implies, is to offer coverage for medical conditions that you may suffer from. The common notion is that your health insurance plan will typically not cover an existing health issue or even one that you have had recently. However, the truth is that you can still get health insurance even while suffering from a pre-existing medical condition. Here are some questions that you need to ask while looking for such a policy.
Which medical problems are regarded as pre-existing conditions?
Pre-existing conditions are the medical issues for which you have been treated in the past. Treatment includes medical consultation, medicines, surgical procedures or other treatment provided for by the NHS or even a private company. These conditions include chronic ones such as hypertension, diabetes, heart disease, stroke, asthma, osteoarthritis, and back pain that has been treated surgically. Choosing the right health plan becomes crucial if you suffer from one or more of these conditions.
What is the time period considered for pre-existing conditions?
A majority of health insurance providers consider such conditions as pre-existing ones that have shown their symptoms and been treated during the past five years. The fact applies even if the diagnosis came more than five years ago. However, the term may vary from provider to provider and range anywhere between three to seven years. Before you take a plan, ensure that you go through the terms and clauses carefully.
What cover can you get with health insurance for pre-existing conditions?
Though people with pre-existing medical conditions can take out almost any health insurance policy, they may not be entitled to coverage for treatment. Some providers may agree to cover minor conditions that are not likely to recur while others will cover them if you have not experienced symptoms for five years. Sam Hayden from TowergateHealthandProtection.co.uk explains that a health cash plan is a more favorable type of insurance for those with pre-existing health conditions.
What are the options that you can explore?
If you have a pre-existing medical condition and still want health insurance, you have a few options to explore. A full medical cover underwriting needs you to share extensive details about your health and medical history. The insurance will explicitly state whether the condition is covered or not. With moratorium underwriting, you need not give a detailed medical history at the time of applying. However, the insurer will check it to decide whether they will pay for the treatment or reject your claim. After a specific time period called moratorium, they can cover certain conditions.
What are the norms for covering chronic conditions?
While many health insurance policies fail to include chronic conditions, others give you coverage in lieu of extra payments. It is so because chronic diseases such as hypertension, diabetes, glaucoma and skin diseases require ongoing treatment rather than short-term treatment for their cure. Some policies do provide cover for one-off costs such as hospital stay; regular costs like medication and follow up appointments are seldom included.
Finding the right health insurance plan can be a challenge if you suffer from a pre-existing condition. However, it is still possible provided that you do some research and find an experienced agent who can help.