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sir this is selva.If person having chronic alcoholic liver disease for 10years,then it comes under pre-existing disease in group mediclaim policies?

According to studies, a normal health plan would not be able to provide cover for the same, you may require a critical illness insurance or a specific insurance plan to get the required coverage. It is important to check with the insurer that this disease will get cover or not as insurance companies always carry a list of diseases for which they will offer the required cover, so make sure that your disease is in their list. And in such scenario there will be no pre-existing format.
Asked by Selva on 30 Oct, 2018 in Health Insurance
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According to studies, a normal health plan would not be able to provide cover for the same, you may require a critical illness insurance or a specific insurance plan to get the required coverage. It is important to check with the insurer that this disease will get cover or not as insurance companies always carry a list of diseases for which they will offer the required cover, so make sure that your disease is in their list. And in such scenario there will be no pre-existing format.

30 Oct, 2018
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Hi Selva, if you are having any chronic disease than you must disclose the same to your insurance manager. They will recommend you suitable plan . I f you do the mistake of buying a plan without disclosing this disease than your claim may get rejected. Hopefully your disease can be covered in any disease specific plan.
30 Oct, 2018
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