When you want to apply for health insurance, there are several things that you as a prospective participant must know. Not only about insurance policy documents, the number of premiums, and how to claim. There is one thing that is no less important, namely pre-existing conditions. This term should not be missed so that later there will be no misunderstanding when you want to file a claim someday. 

Come on, see the full explanation of pre-existing conditions here!

Definition of Pre Existing Condition

A pre-existing condition is any type of illness, injury, or other disability that already exists and has been known to cause by the Insured before the insurance policy applies. Simply put, this is a history of the disease you have and before you have health insurance. 

In some insurance companies, this pre-existing condition becomes an exception for the protection that will be provided. Several lists of diseases that are generally included in the list of pre-existing conditions include diabetes mellitus, HIV and AIDS, autoimmune, cancer, fibroids, cysts, and asthma. But again, each insurance company has certain policies related to the existing disease conditions, so it needs to be discussed with the insurance company's marketers. 

2 Things to Do to Get Maximum Protection from Insurance

Then, what happens when there is a pre-existing condition when applying for insurance?

Of course, the possibility of the claim being rejected will be very high. Therefore, you need to do several things so that insurance claims can be accepted, including:

1. Have health insurance early

The adage "prepare an umbrella before it rains" seems to be very fitting for us to have health insurance before getting sick. Don't let us get carried away with the health we were given when we were young to neglect to prepare the worst case for our health. 

In addition, another important reason why you should have health insurance from an early age is that the younger a person is, the premiums charged may be cheaper than applying at old age. Because the risk of certain diseases is still relatively low.

2. Be honest in filling out the SPAK

Make sure you fill out the Health Insurance Application Letter (SPAK) at the beginning of the application honestly and by the actual conditions. Honestly, the insurance company will know the customer's health condition as a whole, and it is not uncommon for insurance companies to still accept applications, even though there is a medical history.  

However, it still has certain terms and conditions. For example an exception of up to 2 years but in the second year you can do a Review, or be subject to Rate Up a Premium 

Do More Protection for Yourself and Family with BNI Life Plan Multi-Protection Plus

Not only knowing pre-existing conditions when registering with health insurance but having life insurance is also important for optimal planning and complete protection. based life insurance product unit link. 

Only with premiums starting from Rp. 200,000 and the sum assured up to 200 times the basic premium, you can get two main benefits, namely death benefits and investment benefits. 

Not only that, but you can also get other additional benefits such as protection from critical illness and insurance for hospitalization as well as surgery, accident care, lifelong care, and protection and benefits for parents and spouses. 

Come on, register yourself and get protection for yourself and your loved ones with BNI Life Plan Multi-Protection Plus!