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Q: Is it possible to get coverage for a pre-existing medical condition?

A: This is possible but it is dependent on the condition that you have and on the T&C of the policy in question. There are insurance companies that give you policy on pre-existing conditions subject to the person being stable for a minimum of 6 months before leaving the home country. However, this may not be the case always and some conditions may not get covered despite the person being stable for the 6 month duration. You have to read the policy documents to understand the conditions of coverage and the extent of coverage. There will be exclusions mentioned in these documents which you need to be aware of.

There are some policies that cover certain medical conditions such as high BP, diabetes, heart related, etc depending on the recent history of the person’s medical condition. However, most policies use very strict conditions when screening applicants who have a pre-existing medical condition. For instance, you will not be covered if you have had a diagnosis of a stroke, or if you have had a congestive failure of heart in the last six months or if you use a pacemaker or if you take oral steroids for your lungs and so on. You can compare the exclusions offered by different policies and the period of stability advised before making a decision. You can reach out to us on mail or phone to know more about your eligibility owing to a pre-existing medical condition and the policy coverage/exclusions.