Table of contents:
- What is that pre-existing condition?
- Pre-existing disease
- Known or previously known causes of disease
- How to register for health insurance if there are certain conditions?
- Collecting data from several insurance companies
- Deliver information honestly
- Follow the procedure medical check up
Ideally, registering for health insurance is done when you are in good health, not when you have a certain disease. However, if you just applied for insurance when you already have or have had a special disease, the procedure is quite different. Usually, this condition is known as pre-existing condition this can provide additional challenges in applying for insurance. To minimize the process, there are various tips you can do to register insurance with pre existing condition.
What is that pre-existing condition?
In health insurance, there is a term called pre-existing condition. Pre-existing condition is a condition in which you have been diagnosed or have a history of certain diseases when registering with insurance. There are two conditions that are referred to pre-existing condition that is:.
Pre-existing disease
This condition indicates that you already have a history of certain diseases before becoming a participant in health insurance.
Known or previously known causes of disease
While the cause of the disease referred to in pre-existing condition are factors that influence the onset of diseases or symptoms that trigger certain diseases.
For example, you already have a medical condition with symptoms such as shortness of breath, chest pain, and cold sweats that refer to heart disease before becoming an insurance participant.
How to register for health insurance if there are certain conditions?
If a person already has certain health conditions, usually the insurance company can still accept you as a customer with several conditions.
Generally, these requirements are slightly different, for example increasing the number of premiums paid so that disease costs are not covered pre-existing condition if at any time reappear.
The insurance company will set a waiting period before the protection takes effect. So that the reimbursement of claims will only be given after the waiting period ends.
To facilitate the process of applying for insurance when you already have a history of certain diseases, there are several things you can do, namely:
Collecting data from several insurance companies
If you have or have had certain serious illnesses, it will be difficult to apply for health insurance. The reason is, not all health insurance can accept your health condition.
Therefore, you need to collect various data from many insurance companies regarding the facilities that you can get plus various related procedures.
Look for insurance companies that can provide you with great benefits with your current health condition.
Deliver information honestly
One of the main requirements in registering health insurance is honesty of data. The reason is, if you submit and write down incorrect data, the insurance company has the right to cancel the claim from the policy holder.
If so, you can lose because insurance cannot return the premiums that you have paid to the insurance company.
Be open when talking to insurance agents. Trust that he will help you to help apply for the insurance needed according to the health problems you have.
Answer each question in detail. For example, the date of diagnosis, treatments performed, medications, and lab results from previous examinations.
In addition, make sure you always fill out the Life Insurance Application Letter (SPAJ) or the Health Insurance Application Letter (SPAK) honestly. The point is, to prevent you from the problem of denial of claims at a later date.
Follow the procedure medical check up
Just because you are worried that the insurance company will reject your application, you shouldn't skip the procedure medical check up. With a comprehensive health test, the company can know for sure your health condition.
If your health condition is known with certainty and in detail, the company can adjust the policies and fees that you need to pay. Conversely, the less information about your health, the more costs you will be charged to offset future health risks.
When you have found a suitable and trusted insurance company, follow the various terms and conditions provided. Make sure to understand it well and don't hesitate to ask if there are things you don't understand.
This is done to prevent misunderstandings that will harm you in the future.
