Is it possible for diabetes, hypertension, or high BP to result in the denial of your claim for health insurance?

Question: Are diabetes, hypertension, and high BP count as pre-existing conditions? Can this lead to the rejection of claims for complications? What happens if one doesn't know the situation?

Before purchasing a health insurance policy, it is crucial to fully understand the importance and risks of disclosing pre-existing conditions. Insurers and insureds must disclose all relevant information before closing a transaction. Insurance operates on the principle of absolute good faith.

Pre-existing diseases (PEDs) are conditions that may be present at the time that you buy a policy. PEDs are requirements such as high blood pressure, diabetes, hypertension, and asthma that must be disclosed by the insured when purchasing health insurance. PEDs are often a cause for rejection. Many policies include a waiting period to allow you to disclose existing diseases.

The waiting period for pre-existing conditions may be anywhere from 1 to 4 years. Even if you declare your PED, insurance companies could still choose to cover it, although at a slightly higher premium (loading). If one is not transparent, it could result in the cancellation of the policy. Unrelated claims can also be invalidated if the PED was discovered during the investigation.

It's important to have the necessary tests performed if you suspect you might have a PED. The results can be shared with your insurer if you are diagnosed with a disease. This allows the insurer to amend the policy and protects you against denying your claims.
Your insurer will also accept claims if you are hospitalized for a condition after purchasing the policy. It is not required to declare any new requirements at the renewal of the policy. All conditions, except those exclusions, will be covered. The insurer can cancel your policy or place restrictions on the policy if you disclose your PED (which should have been done when you purchased the policy).

It is important to disclose all information and be transparent about the importance of your health insurance.