In addition to offering you one of the most competitively priced insurance packages on the market, INGLE Assurance provides comprehensive coverage for eligible pre-existing medical conditions, if you select that option. In order to include the coverage for such pre-existing medical conditions, you will have to complete an application form with a medical underwriting, receive an approval from INGLE and pay required premium.
Period of Stability:
Eligible pre-existing medical conditions have to be stable for at least 90 to 365 days (depending on medical conditions to be covered) immediately prior to the effective date of your policy with INGLE Assurance. Any condition that was not stable at any time during 1 year immediately before the effective date will not be covered, unless you have paid the additional premium required to reduce the Period of Stability.
Important Notice: Certain limitations apply to stable pre-existing medical conditions coverage. Period of Stability for Heart, Stroke, Cancer and Peripheral vascular disease (PVD) related pre-existing medical conditions is always 365 days immediately prior to the Effective Date of your insurance policy.
Please note that in case you have any pre-existing medical conditions whether stable or not and you do not complete medical declaration and pay additional premium at the moment of application, coverage will exclude emergency treatment for any medical conditions and/or symptoms that existed on or prior to to the start date of your insurance policy.
In case you have been previously diagnosed with diabetes, treatment for cardiovascular or cerebrovascular conditions is not covered unless you have disclosed your complete medical history, submitted it for underwriting approval and obtained an endorsement issued by INGLE Assurance.
In order to review policy limitations, pre-existing conditions coverage exclusions, period of stability definition, eligibility requirements and waiting period terms, please see the Policy Wording.
Click to view – INGLE Assurance | Policy Wording – English