Navigating Health Insurance in Delhi: Best Options for Pre-Existing Conditions

Delhi, the capital of India, hosts many of the country's top multi-specialty hospitals. Such Medicare facilities are enabled with state-of-the-art infrastructure, technologies, and expert doctors. Even though world-class healthcare services are available in Delhi, the costs are a premium. If not adequately insured, treatment in such places might drain you financially.

Enough coverage ensures that you and your family have good health care without fear of huge medical bills. Choosing the right insurer and the health plan that fits your needs becomes important.

Reasons to Buy Health Insurance in Delhi

Here are some key reasons to invest in healthcare plans in Delhi:

• Cashless Treatment: You can directly settle all your medical bills through your insurer.
• Covering Medical Expenses: Having insurance of INR 10 lakhs sufficiently covers most healthcare contingencies.
• Tax Benefits: Insurance premium payment makes you eligible for availing tax benefits under Section 80D of the Income Tax Act, 1961.
• Preventive health checks: Preventive health checks are your passes for early diagnosis of potential illnesses.
• Mental health coverage: With rising stress levels, you should opt for a plan that covers mental counselling and treatment fees.
• Lifelong renewal: An insurance plan with lifelong renewal ensures continuity in your healthcare coverage.

Insurers like ACKO have comprehensive wellness insurance coverage in Delhi. Their plans offer free annual checkups, unlimited teleconsultations, and discounts on essential pharmaceutical products.

Health Insurance for Pre-Existing Conditions

Pre-existing conditions could be an injury, disability, or illness that is already in your body before you buy a health insurance policy. Some common examples are diabetes, cancer, hypertension, and heart disease. It's always sensible to purchase a health insurance policy early in one's life because most insurers enforce a 2-4-year-long waiting period to cover higher risks and treatment costs.

You should go for an insurer offering health insurance for pre existing conditions with a minimum waiting period. You should consider family floater plans offered by ACKO, which includes coverage for related hospitalisation expenses right from the first year (subject to specific conditions). You should opt for such plans only after comparing the offerings and ensuring they meet your requirements. Please remember that waiting periods only apply to first-time buyers. They get waived on continuous renewals.

Importance of Disclosing Pre-existing Conditions

Be as transparent as possible regarding your health condition while purchasing your insurance policy. You should avoid any kind of non-disclosure. It may land you in trouble later in your life. For example, a non-disclosure can lead to rejection of your claim even if unrelated to the existing cause of hospitalisation at that time. Non-disclosure can lead to claim rejection straight away. So, it is always advisable to openly disclose the details of your medical conditions, diagnostic reports, and past treatments to the insurer. Based on the acuteness of your underlying condition, the insurer may charge higher premiums or may put in some selective exclusions.

There you go. It still makes sense to buy your bespoke plan with proper disclosure. Please note that there could be certain standard exclusions, such as STDs and Alzheimer's, applying to all. Compare your policy exclusions in detail before purchasing so you are not surprised by anything later. Plans with minimal exclusions are offered by reputed insurers like ACKO compared to peers.

Conclusion

Delhi offers top-quality healthcare services spanning diagnostics, multi-speciality care, transplants, and surgeries. Access to quality medical care, however, depends on adequate finances. You should immediately partner with a reputed insurer such as ACKO to cover your pre-existing illnesses. Partnering with ACKO opens your doors to financial security in the face of medical adversities.

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