Eligibility Criteria to Buy a Health Insurance Plan
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The eligibility criteria to buy a health insurance plan depends on a number of factors such as the age of the policyholder, pre-existing diseases, etc. In most health insurance plans, the following eligibility criteria should be met:
| Criteria | Specifications |
| Entry Age for Adults | 18 to 65 years |
| Entry Age for Dependent Children | 90 days to 25 years |
| Pre-medical Screening | Required above the age of 45/55/60 years |
Age Criteria – The entry age criteria for adults and children varies and can range from 18-65 years and 90 days to 25 years respectively. The actual age can vary from one medical insurance policy to another.
Pre-medical Screening – Pre-medical examination is required for applicants mostly above the age of 45 years or 55 years. However, most of the senior citizen health plans require pre-medical tests before policy issuance.
Pre-existing Diseases Disclosure – Any pre-existing illness is covered after the completion of the waiting period i.e. 2-4 years. Most health insurers ask the applicant if they are going through any medical conditions like high blood pressure, diabetes, cardiovascular diseases, kidney problems, etc., at the time of buying a health insurance plan. If you are a smoker or an alcoholic, then you need to disclose it to the insurance company.
Do not keep it a secret, as it may cause problems at the time of claim settlement. It can even lead to rejection of your claims.
Based on these criteria, the insurance company decides to offer medical coverage to the applicant.
Courtsey To : Policybazaar
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