What happens if you lie about a preexisting condition

Question: I know someone seeking compensation for injuries received in an auto accident. However, the injuries are pre-existing from a previous accident, although this fact is unknown to the other party.

I feel this is wrong and should be exposed. The ACA made it illegal for health insurance companies to deny you medical coverage or raise rates due to a pre-existing condition. Chronic illnesses and medical conditions, including many forms of cancer, diabetes, lupus, epilepsy, and depression may be considered pre-existing conditions.

Pregnancy before enrollment is also considered pre-existing and chronic, though less severe conditions such as acne, asthma, anxiety, and sleep apnea may also qualify. The Affordable Care Act, passed in , made it illegal for insurers to deny you coverage or charge high rates for pre-existing conditions. Additionally, if your health changes and you develop a chronic medical condition while enrolled in a health plan, your insurance carrier cannot raise your rates because of that medical condition.

However, annual premium increases may apply to your plan for other reasons. If you get pregnant before enrolling in a health plan, you cannot be denied coverage or charged more due to pregnancy. Coverage for pregnancy and delivery begins from the day you enroll in a plan. Choosing a health plan is no longer based on the concept of a pre-existing condition.

A health insurer cannot deny you coverage or raise rates for plans if you have a medical condition at the time of enrollment. When buying health insurance, you have to fill out an application form where you are asked about your medical history in detail. While it may be tempting, you should never lie about it. While existing health conditions can affect the price of insurance i. If you suffer a significant, and expensive, medical emergency, the insurance company can decline your claim if they find out about any undeclared condition.

This actually happens more often than you think, so make sure you fill out the application form carefully to avoid any future surprises. While coverage for pre-existing conditions is now offered by most health insurance companies in the UAE , keep in mind that:.

In practice, after you fill out the application form, the insurer can take several actions if you declare any pre-existing conditions. While the Dubai health insurance law mandates coverage for pre-existing conditions, in practice, it is not so simple.

Buy a health insurance policy at a younger age so that you can avail the benefits of the waiting period and avail coverage when any diseases develop.

Hospi Care Insurance Policy. Health Super Top-Up. Doctors - Professional Indemnity Insurance. Employee's Compensation Insurance Policy. Renew Reliance Health Infinity Insurance. Renew Health Insurance. Home Knowledge Center Insurance Reads. Have a look at it in detail- What are pre-existing diseases?

How are pre-existing diseases covered in health insurance policies?