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Thyroid consider as existing disease

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16 Dec, 2021 by  Amol Chavan

Is Thyroid consider as existing disease, how it will affect on premium or policy proposal if declare as existing disease

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Health Insurance

3 Answer

19 Dec, 2021
harivansh agrawal

Hello Amol,

The IRDAI gives the definition of pre-existing disease as

9.51 Pre-existing Disease means any condition, ailment, injury or disease a. That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement or
b. For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement.

Now let me clarify

Any disease for which you have taken doctor consultation prior to 48 months from the date of purchase of the policy is considered a pre-existing disease so if you have taken your last consultation on thyroid problem in the last 4 years it is considered a pre-existing disease

make sure that your thyroid is diagnosed by a physician, NOT SELF DIAGNOSED


How it will affect the premium- See insurance companies apply to load (charge extra) on a case by case basis depending on their underwriting rule, so no one can predict how much they will load

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19 Dec, 2021
CEO, Insurance Samadhan


Plesse note that thyroid is a managable disease and once diagnosed then you keep managing it for life time .

Your thyroid level is diagnosed through T3 , T4 and TSH . It is severe only in 5 % of cases , 95 % cases are called managable through regular supplement .

This means that insurers accept thyroid normal in 90 % cases and do not load premium .

Only in 10 % cases , thyroid is considered severe and premoum is loaded .

So always submit your T3 ,T4 TSH level when you are declaring thyroid as pre existing disease ..

Best wishes

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22 Dec, 2021
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Dear Amol,

History of Thyriod Disorder is considered a pre-existing disease & one must declare the same before buying a health insurance plan. It is very important to note that Thyriod Disorders can be of different types such as Hypothyriodism (underactive thyriod), Hyperthyriodism (overactive thyriod), Thyrioditis (inflammation of thyriod gland), Thyriod Nodules, Thyriod Cancers etc.

Approach of the insurance companies towards Thyriod Disorders may vary depending on the type of Thyriod disease. Most common Thyriod Disease people has is Hypothyriodism and it is easy to get a Health Insurance Plan for such members. Insurance companies do ask for the latest Thryriod Profile reports (TSH, T3 & T4). If the values as per these reports are normal, getting health insurance becomes easier. Most often such cases gets through without any premium revision if the said member do not any other commodities or additional diseases. And Yes, Pre-existing disease waiting period will be applicable if the policy is accepted.

However if the member has any other form of Thyriod Disease as mentioned above, one must submit all the relevant medical records to enable the insurer decide on the scope of covering the same as per the policy terms & condition.

Hope this answers your query.


Satish Kumar H

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