What comes under Comorbidities/Pre-Existing Diseases in health insurance? - Ditto

Health Insurance Glossary

If you’re showing symptoms, or being treated/diagnosed for a condition that’s apparent while buying the policy, then such condition will be deemed as a pre-existing disease so long as they’re present 48 months before buying the policy.

When it comes to health insurance, pre-existing diseases are an important factor to consider. Most health insurance policies have a waiting period, during which the policyholder is not eligible for coverage for any pre-existing conditions. This waiting period can range from a few months to several years, depending on the insurer and the policy terms.

For more details check out article on Pre-existing diseases

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A

Accident Accumulation Period Acute Care Add-on Covers Age Limit Agent Ambulance Cover Annual Renewal Date Any One Illness Automatic Restoration AYUSH Treatment

B

Beneficiary Benefit Blacklisted Hospitals Broker

C

Cancer Insurance Cashless Claims/Treatment Cashless Facility/Hospitalization Certificate of Insurance Claim Claim Settlement Claim Settlement Ratio Co-insurance Co-Pay or Copayment

Comorbidities/Pre-Existing Diseases

Complimentary Health Check-ups Convalescence Benefit Critical Illness Cumulative/No-Claim Bonus

D

Daily Hospital Cash Day Care Treatment Deductible Dependents Domiciliary Hospitalization

E

Eligibility Emergency Care Exclusions

F

Family Floater Policy First Diagnosis Free Look Period

G

Grace Period Group Health Insurance

H

Health Insurance Tax Benefits Hospitalization

I

Illness Individual Health Insurance Inpatient Care Insurer IRDAI

L

Lapse Long-Term Care Policy

M

Maternity Expenses

N

Network Provider/Hospital No Claim Bonus (NCB)Nominee Non-Network Provider/Hospital

O

Out-Patient Department (OPD)/Treatment

P

Personal Accident Cover Policy Coverage Policy Document Policy Period Portability Post Hospitalization Expenses Pre Existing Disease (PED)Pre Hospitalization Expenses Premium Primary Insured Private Room Psychiatric Cover

R

Refill Sum Insured Reimbursement Renewal Restoration Benefit Rider Room Rent Limit

S

Senior Citizen Health Insurance Specific Illness Waiting Period Sub-Limit Sum Insured

T

Terminal Illness Third-Party Administrator (TPA)Top-up Plans

W

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