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disease got diagnosed after taking health insurance

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20 Jun, 2022 by  avinash komandur

Diabetes got diagnosed after taking health insurance , while taking insurance the disease was not diagnosed . In these circumstances whether in future any claim with regards to co morbid condition diabetes will it be passed . if not than what is the solution . While renewing shud i inform the insurer . While purchasing the policy there was no medical check up done. kindly advice

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Hey Avinash



The illness will be covered if diagnosed after buying the plan.


It is good to inform the insurer as it will greatly help at the time of porting if you decide to port out to a different provider so that you don't have to serve a pre-existing disease waiting period under it.




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22 Jun, 2022
avinash komandur
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22 Jun, 2022
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Dear Mr.Avinash,


Please understand that Diabetes / any other medical condition contracted after the policy commencement date shall be treated as a new disease. Therefore if there is a need for a hospitalization & the disease for which a treatment is necessary does not fall under the specific disease waiting period clause (usually 24 months for treatments like cataract, kidney stones, hernia, joint replacement, etc) then the claims are definitely honoured.

Good news is that most insurance plans in the industry do not keep such 2 yrs waiting period for freshly diagnoses diabetes related claims.

Please check your policy terms & conditions for specific disease waiting period clause if diabetes related complications have been defined any such waiting period.

It is highly recommended that you keep all the medical records such as first consultation paper (FCP), test reports & follow up records safely for future requirements during claims. These records serve the purpose as a proof that the the first diagnosis has happened only after taking the policy.

It is not mandatory to disclose the details of such diagnosis during renewals unless you are making any changes in your existing plan such change of sum insured / change of plan / while porting to a new insurer.

However, I agree with Mr.Pankaj that it is prudent to keep your insurer informed about the changes in your health status.

Hope this information helps you...


Best Wishes,

Satish Kumar H


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22 Jun, 2022
avinash komandur
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