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Medical Insurance Policy for Pre- existing Disease Coverage | Niva Bupa

Posted On : 02 June 2023, 10 Months Ago. Health-Insurance
Pre existing disease health insurance

A health insurance policy with pre-existing coverage is a great way to protect your family's health and well-being. With an extensive health insurance policy, you can have peace of mind knowing that your family is covered for medical bills associated with pre-existing conditions. You can also enjoy the security of knowing that your family will be covered for any medical costs associated with illnesses, injuries, or other medical events that may arise.

 

It’s essential to make sure your family is covered with a medical insurance policy that provides good coverage for existing conditions. Pre-existing coverage is the term used to describe coverage for medical conditions that existed before your policy started. This coverage is vital for families, as it can help them avoid financial hardship in an illness or medical emergency.

 

Benefits of Medical Insurance Policy

When selecting a mediclaim insurance policy, you should ensure that it covers pre-existing conditions. This can include diabetes, asthma, hypertension, heart disease, and other chronic illnesses. It’s crucial to select a plan that provides coverage for these conditions and any treatments required to manage them.

 

  • Provides Financial Protection Against Medical Expenses: Health insurance policies provide financial protection against medical expenses that may arise due to an accident, illness or hospitalisation.
  • Access to Quality Healthcare: Medical insurance policies provide access to quality healthcare services and treatments.
  • Coverage for Prescription Drugs: Most health insurance policies provide coverage for prescription drugs.
  • Tax Benefits: Health insurance policies offer tax benefits as they can be used as deductions from taxable income.
  • Coverage for Pre-existing Conditions: Most medical insurance policies offer coverage for pre-existing conditions.
  • Coverage for Family Members: Health insurance policies provide coverage for family members, making them an excellent option for families.
  • Peace of Mind: Having a health insurance policy provides peace of mind as it ensures that medical expenses will be taken care of in the event of an emergency.

 

It’s also important to consider the cost of the premiums of the policy you’re considering. Some plans may have a higher premium but provide better coverage for pre-existing conditions. You should also consider the cost of your co-pays and other out-of-pocket expenses associated with your policy.

 

You may be concerned about finding the right health insurance coverage if you have a pre-existing health condition. Fortunately, the passage of the Affordable Care Act (ACA) in 2010 brought protections for those with pre-existing conditions. This means you can now get medical insurance covering your pre-existing condition.

 

Selecting a Medical Insurance Policy

Selecting a health insurance policy for a family can be daunting. With so many different plans and options, it can be challenging to determine which policy is best for you and your family. It’s essential to consider factors such as coverage and cost when choosing a medical insurance policy. 

 

Here are some tips to help you select the proper health insurance policy for your family and yourself:

 

  • Evaluate Your Options: The first step to getting medical insurance with pre-existing condition coverage is to determine what type of coverage you need. You can get private insurance through the marketplace or your employer. You may also qualify for Medicaid or Medicare if you meet specific financial and health criteria.
  • Shop Around: Different plans offer different levels of coverage, so be sure to thoroughly  research to find the plan that suits you. You can compare plans and prices on the federal marketplace or through private insurers.
  • Look for Discounts: Many health insurers offer discounts for pre-existing condition coverage. Be sure to ask about any discounts or special programs available to you.
  • Make Your Purchase: Once you have found the right plan, it's time to purchase. Read all the documents carefully before making your decision.

 

A medical insurance policy covering pre-existing conditions can help provide your family peace of mind and financial security. Be sure to research plans thoroughly and speak with your healthcare provider to make sure that you’re making the best decision for your family. It’s important to research different policies and compare them to find the one that’s best for you and your family. You should also speak with your healthcare provider to determine which plan will provide the best coverage for your family’s needs.

Secure your health with comprehensive insurance plans from Nivabupa

Tell us a bit about you

Whom are you buying for ?
Myself Icon Individual
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Family Icon Family
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I authorize Niva Bupa to call me. This will override your existing registry in DNCR. I want to get my quote and policy details on WhatsApp.
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