Health insurance is increasingly becoming a necessity due to the rising costs of healthcare services such as consultations, investigations, and inpatient treatments. It is essential for everyone to protect themselves from financial risks associated with medical expenses.

When applying for individual health insurance, it is important to declare any pre-existing medical conditions. This allows insurers to accurately assess the risks involved and tailor the policy accordingly. By disclosing your medical history, you help insurers understand your health needs and manage expectations regarding coverage.

Pre-existing medical conditions are not limited to chronic illnesses. They include any significant symptoms or conditions that were present at the time of application and for which you sought medical advice.

Here are some key points to consider when declaring pre-existing medical conditions in your application:

1) Chronic Illnesses: Conditions that require regular check-ups, prescribed medications, and have been present for a year or more.

2) Hospitalizations and Surgeries: Any past hospitalizations or surgeries, regardless of the cause.

3) Current Ongoing Medical Treatment: Scheduled visits, ongoing treatments, and medications.

4) Significant Injuries or Health Symptoms: Any alarming symptoms or injuries that required medical attention.

5) Diagnostic Tests: Information about investigations and laboratory tests.

6) Planned Medical Treatment: Any future treatments or procedures recommended by your doctor.

Failure to disclose pre-existing conditions can lead to consequences such as claims denial, policy cancellation, increased premiums, or legal issues. It is crucial to be transparent with your insurer to ensure a smooth experience throughout your policy period.