Can I Get Health Insurance Before Surgery

As individuals age, their susceptibility to diseases increases.

Unhealthy lifestyle choices and the consumption of junk food contribute to the early onset of illnesses.

Consequently, health insurance policies have substantially grown in significance.

These policies offer coverage for annual health check-ups, screenings, counseling, and other preventive services.

Securing health insurance early in life is a prudent decision, given the rising prevalence of diseases.

However, individuals must be aware of policy exclusions, including the waiting period.

During the initial 30 days of any policy, it does not cover any diseases, except for accidental hospitalization, which is covered from day one.

Health insurance before surgery
Certainly, you can obtain health insurance before surgery. However, the coverage and benefits of the insurance policy may vary depending on the type of policy you choose and the insurance provider you opt for.
I recommend researching and comparing different insurance policies and providers to find the one that best suits your needs. Consulting with a licensed insurance agent or broker can also be helpful, as they can assist you in understanding the process and provide you with more information on the available options: Photo source (Healthline)

Additionally, specific diseases have waiting periods of 1, 2, 3, or 4 years before they are included in the coverage.

Pre-existing conditions are typically included in the policy coverage after four claim-free years.

The waiting period refers to the duration before certain ailments become covered under the health policy.

In most health policies, the standard waiting period for pre-existing diseases is 4 years.

This provision benefits the policyholder, as the insurance company cannot deny a claim once the waiting period expires.

What is the Waiting Period?

Undergoing surgery in a hospital, like labor pain lasting 12-18 hours, involves a crucial waiting period before delivery.

Similarly, health insurance policies have a waiting period before providing full coverage, known as the “Waiting Period.

Types of Waiting Period

The waiting period in your health insurance depends on factors like the type of insurance, medical history, and age.

Reading the policy’s waiting periods is crucial.

Choose a plan with a shorter waiting period to access benefits sooner and avoid out-of-pocket expenses.

  • Initial waiting period – During the initial 30-90 days after policy commencement, no claim benefits are provided if hospitalization occurs. To receive benefits, the policyholder must wait out this initial period.

  • Pre-existing disease waiting period – The policyholder must declare specific diseases at the time of purchasing the policy, and these diseases are subject to a designated waiting period. We refer to these conditions as pre-existing diseases, and they have a corresponding waiting period known as the pre-existing disease waiting period. Generally, this waiting period ranges from 1 to 4 years of continuous policy coverage. The duration of these waiting periods depends on your health status and the insurance company you select.

  • Maternity benefits waiting period – Certain health insurance providers offer maternity benefits, which come with a waiting period that ranges from 9 to 36 months.

  • Disease-specific waiting period – Certain ailments such as tumors, ENT disorders, hernia, and osteoporosis have specific waiting periods of 1 to 2 years, as stated in policy documents. Waiting periods differ among insurance companies.

Need of Waiting Period in A Health Insurance Policy

To prevent customers from buying health insurance policies only for immediate claims, waiting periods were introduced.

This avoids situations where individuals hide pre-existing conditions, get coverage, and undergo expensive treatments shortly after purchasing the policy.

Waiting periods discourage unethical practices and maintain the integrity of health insurance plans.

Health Insurance Claims

When hospitalized, visit the hospital’s insurance desk for cashless service.

Fill pre-approval forms for planned hospitalization or notify within 24 hours for emergencies.

Provide ID and health card. The hospital’s third-party administrator handles documentation.

Clarify policy coverage with the hospital to avoid confusion.

For reimbursement, submit necessary documents, including filled claim form, doctor’s advice, bill breakdown, and original receipts.


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