What is considered a preexisting condition for health insurance?

I am looking to buy my first insurance policy. Is something like minor asthma or high BP also considered a pre-existing condition? I am a bit scared that they might reject my application if I mention these.

Any chronic disease like diabetes, hypertension, or thyroid diagnosed before the policy start date is a pre-existing condition (PED). My tip is to never hide these during proposal submission; otherwise, the insurance company will reject your claim during hospitalization. Just accept the waiting period, it's worth it.

Do not trust anyone who says minor conditions don't count as PEDs. Insurers have strict guidelines, and anything diagnosed within 48 months prior to the policy issue is a pre-existing condition. Verify the exact clause with your insurance agent or the IRDAI website directly.

Any medical condition diagnosed or treated in the last 4 years is a pre-existing condition. In metro cities, policies are digitized now, so they can easily pull up your medical history via your Aadhaar or past claims. Just be transparent and buy a plan with a lower waiting period.

I panicked so much when I had to declare my mild thyroid issue as a pre-existing condition, thinking my policy would be rejected. But actually, it is very normal! Most insurers just put a 3-year waiting period on it and cover everything else from day one. Don't worry at all.

Simple words, if you had a disease before buying the policy, it's a pre-existing condition. Don't try to act smart by hiding it. Declare it, pay the extra premium if required, and get peace of mind. It is better than getting your claim rejected in an emergency.

A pre-existing condition is basically any health issue you already have, like diabetes or joint pains. While keeping a healthy lifestyle and drinking herbal tea helps manage these, you must disclose them to the insurance company so that your hospital claims are processed smoothly later.