A Certified Disease Will Only be the Pre-Existing Under Medical Insurance

The New Delhi District Consumer Disputes Redressal Forum said that a disease cannot be said to be pre-existing unless it has been certified by a doctor on the basis of various tests prior to the purchase of the medical insurance policy. So, the disease in order to be pre-existing should be in the knowledge of insured.

If a doctor gives a particular name to a ‘condition’ while talking with patient, it is not sufficient as a positive evidence of pre-existing disease for purpose of insurance. The doctor has to record the disease and make it as a certified disease before taking insurance.