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The list of pre-existing diseases in health insurance is quite vast. Chronic illnesses and medical conditions, including different forms of cancer, diabetes, epilepsy, lupus, high blood pressure, and depression may be considered as pre-existing conditions. As a matter of fact, less serve conditions like asthma, anxiety, acne, and sleep apnea may also qualify. Moreover, pregnancy before enrollment is also considered pre-existing and chronic.
Health insurance policies differ from each other when it comes to inclusions and exclusions related to pre-existing conditions.
A preexisting diseases is a condition , ailment or injury that already exist at inception of the insurance policy or at the time you buy the insurance coverage , and this preexisting diseases are (IN GENERAL ) excluded from the policy coverage for an initial waiting period usually between one year and four to be incorporated in the medical insurance policy and the insurance company after then will pay any expenses that may incurred for the treatment of a preexisting disease.
However , due a lot of competition for business in the insurance market you find the differences in the insurances police's conditions regarding exclusion and inclusions of such (PRDs) , hence view companies accept to include the risk in the medical insurance policy .
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