What Counts as a Pre-Existing Condition?

What really counts as a pre-existing condition in health insurance? For many buyers, these three words mean fear of claim rejection, high premiums, or policy denial. But the truth is more nuanced. This guide explains IRDAI's official definition, lists common conditions like diabetes, hypertension, asthma, and cancer, and clears myths around disclosure. With real-world cases, legal rulings, and insurer practices, this article helps every policyholder in India make smarter, safer health insurance choices.