IRDAI revises changes to definitions of pre-existing diseases

The IRDAI made some changes to the definition of pre-existing diseases through a circular. The regulator has deleted ‘the additional/modified clause’ in its current definition of pre-existing diseases. According to the experts, this move can bring a reduction in the claim rejection rates in health insurance policies. Last year also the IRDAI had modified the definition of pre-existing diseases. Certain illness have included by the IRDAI in case they were diagnosed within 3 months after purchasing the health insurance policy. However, according to the new definition, now no such disease will be treated as a pre-existing disease even if diagnosed within 3 months, or later, of buying the health insurance policy.

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