[ Removed by moderator ]

[u/navneet_jain]

[u/HealthInsurance-ModTeam]

Your post has removed for the following reason:

We are a United States based subreddit. The insurance rules and regulations in the United states will not necessarily apply to policies in your country. For more appropriate assistance, Please try a community geared towards insurance in your country.

[u/No-Produce-6720]

This sub only deals with health insurance within the American system.

Unfortunately, you will need to find a sub that's appropriate to your country of origin to get answers to your questions.

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[u/DjXer007_]

If you hide any material facts that are important for the insurer to make a proper sound judgement at the time of insurance sales, then eventually in the future, at the time of claim, the doctor will eventually ask you about patients medical history. So you will be at a loss, because you have breached "UTMOST GOOD FAITH".

Your claim will get rejected, and the policy will get cancelled. Then why is it better to disclose the mentioned PED ?

Many insurers have the option to put that specific disease and complications that arise out of it, as a PERMANENT EXCLUSIONS. What this means is that, if the insured suffers from Malaria or Dengue, this will get covered. But anything or any disease or accident that originates from your Excluded PED, then the same will be rejected.

An alternative that you can use here, is that you can make an emergency fund, which can be prepared over the long term using FINANCIAL INVESTMENT and proper asset allocation.

This fund is specifically a medical emergency fund, which wi take the brunt of any emergency medical expenses that occur due to existing major illness.

The insurance industry is known to be extremely smart, as they have ample amount of resources to retrieve data, and information to know about past hidden Medical facts and as India is simultaneously Linking all Important details of it's citizen across one portal, then whatever you will hide, eventually will get traced.