✅ Understanding Pre-Existing Conditions
A pre-existing disease is any illness diagnosed before buying insurance (e.g., diabetes, hypertension, asthma). Choosing the right plan helps avoid claim rejection.
🔍 Top Plans Covering Pre-Existing Conditions
1. Star Health – Comprehensive Plan
- PED covered after 1 year
- Lifetime renewability
- High claim settlement ratio
2. Niva Bupa ReAssure 2.0
- PED covered after 36 months
- Offers boosters and unlimited reinstatement
3. Tata AIG MediCare
- Covers PED after 2–3 years
- Offers restoration and global cover
📝 Tips:
- Check waiting periods carefully
- Get a full health check-up before purchase