Declaring pre-existing diseases and timelines: Know the rules

What is the time limit for pre-existing diseases when buying health insurance?

- Abhishek Bondia

Do I need to declare a decade-old hospitalization or illness? I declared an illness from 10 years ago, and the insurer excluded it from the pre-existing conditions list. Is this correct? -Name withheld on request

Under the current rules, illnesses that were diagnosed or for which treatment was administered in the past three years are classified as pre-existing diseases. Illnesses that were cured or treated more than three years ago are generally not classified as pre-existing diseases. As a result, the waiting period for pre-existing diseases applies only to illnesses that were recently diagnosed or treated.