When Can I Use My Medical Expense Insurance After Buying It?

Once you purchase your insurance. The first 30 days will only cover accidents. Subsequently, the insurance will begin to cover illnesses. However, it is important to consider that to cover these diseases there are certain conditions. The first and most important is that it is not a pre-existence. But, what is a Preexistence?:

The technical definition generally includes the following definition. That one or more of the following cases occur:
That the disease has already been diagnosed by a doctor
That expenses have already been incurred for that disease
That due to its symptoms or signs it could not go unnoticed

If I currently have any disease that I am not aware of, it has not appeared or causes discomfort, it has not been detected, and even less have I paid for it since it is not a pre-existing disease.




Another important point is that it is not a disease in which the insurer has given a waiting period. This means that for certain illnesses or diseases, insurers specifically determine what to attend to; You have to wait a while and only until this has been fulfilled and also during the waiting period there have been no symptoms, then you can be covered. Each insurer has different times and different illnesses, although in most insurers they are very similar. For example, sore throats, adenoids, anorectal conditions such as hemorrhoids, knee spine, gallbladder, among others. Although it should not be taken literally; one way that I have found to explain it to my clients is all those illnesses or ailments that in some way and in most cases, although they can be very annoying, do not require immediate attention. They are also those of slow development / (that is to say that they generally do not appear from one day to the next) and that their attention does not imply an emergency of attention as it could be in appendicitis.

From this derives the importance of preserving the seniority in your medical expenses insurance, because with the passage of time it will cover more and more ailments until it is completely released and covers everything. Except as I said before pre-existing or congenital conditions.

Location: India

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