I have got a medical insurance as part of my job during onboarding itself, I have a pre-existing condition & I already have disclosed it to HR, So will the insurance be applicable or the issurer back out?

[Calmsanket4364]

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Calmsanket4364
PARTICIPANT
April 17, 2025 at 4:48 am

I wanted to know if medical insurance given by company should be valid or will the insurer back out & on what basis. The insurance was given to me even after mention medical history as do not wish to disclose (this should be enough to know I do have a condition) and despite that insurance was given to me.
Also my HR knows exactly about my medical details, so I want to use this insurance soon. So Anyone can share if 100% insurance will work or if they try to backout what should be my defence argument since this was granted after Knowing I may have certain condition & HR is also aware.

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[Luckyhero7852]

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Luckyhero7852
PARTICIPANT
April 17, 2025 at 4:59 am

Doesn’t matter. You are covered with pre existing conditions mostly in corporate health insurances. If they ask you disclose in any letter do it. But they won’t.

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[Calmsanket4364]

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Calmsanket4364
OP
April 17, 2025 at 5:06 am

Usually I won’t be able to buy an medical insurance as my condition is excluded so I can’t purchase only. But this is directly given as part of job contract & it’s certainly not my mistake if they gave it without enquiry anything & company has already paid the cost.
But my doctor said if it’s accepted well & good but they may call me to ask why I didn’t mention this which I already have done as do not disclose (which was the only option I could, since I don’t have certificate yet)

And HR is aware meaning company should also be, so will this counter be enough or what do you suggest? Or is it mandatory of them to given the insurance irrespectively since it’s in my contract

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[Luckyhero7852]

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Luckyhero7852
PARTICIPANT
April 17, 2025 at 5:09 am

Ok just send a email to HR saying you need to declare this if it’s give you peace of mind. But most of the corporate health insurances are considered with pre existing. So just send him an email, then he is bound to forward it to insurarer and mention you want to declare this things with insurance to avoid any future misshaps..

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[Calmsanket4364]

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Calmsanket4364
OP
April 17, 2025 at 5:14 am

Thanks, I already have let him know personally & on mail with all the documents. Even our company DR is aware now if he forwards it to the insurance or not that’s not my problem, even if they try to deny I would have a defence atleast.
HR should already have done that as it’s his job to let company know everything. I’m guessing you are from US, here in India they try do break contracts illegally as Indians usually don’t go for lawsuits or legal battles due to inconvenience & society upbringing.

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