I am 32 years old and was suffering from cholesterol a few months back but now it is normal. I have decided to take a health policy. If I mention about the high cholesterol, what are the chances for the policy getting rejected. What all should I check when taking a policy.

I am 32 years old and was suffering from cholesterol a few months back but now it is normal. I have decided to take a health policy. If I mention about the high cholesterol, what are the chances for the policy getting rejected. What all should I check when taking a policy.

The fact is that if you are having high cholesterol and you are taking medicine then cholesterol level should be coming normal whenever blood test is conducted.

The proposal form of insurance companies is having question.

For example in Oriental Insurance proposal form it is:-

1. Have you suffered from any of these following?


• High blood pressure
• Palpitation
• Heart Diseases including ischemic heart disease. Yes No
       

In Apollo Munich Health Insurance proposal form it is:-

• Hypertension
• Chest pain
• Ischemic heart disease  
• or any other cardiac disorder. Yes No      

You have to mention Yes or No against every question. Assuming you have replied yes then it will be for Insurance company to decide whether they should ask for medical examination to decide whether to 

• Issue the policy
• Refuse the policy
• Issue the policy with loading

Assuming you have replied No, then there is near to 100% chance that policy will be issued without medical examination. In the event of lodging of claim of high amount the Insurance Company may call for investigation and if it is proved that at the time of filling up of proposal form you were taking the medicine to bring down cholesterol level then they may say that heart ailment was preexisting disease and refuse to pay the claim.

It is up to you to decide which option you want to take.