Health coverage for chronic or previous illnesses?
Is it possible to subscribe to health coverage for a previous illness? Can I also protect a chronic disease? In this article we will try to answer this question in an exhaustive way, trying to make a complete picture on the subject of coverage for pre-existing illnesses.
Previous health insurance? Can it be?
We assume that finding deductible health insurance that covers previous illnesses is next to impossible. The classic health insurance companies tend to prefer to exclude this type of protection which would expose them to a high risk. To give a concrete example, a cardiopathic person , who therefore suffers from a previous pathology , could be well at the time of subscription, but worsen after a few months from the subscription .. You may therefore need surgery, hospitalization, or a series of urgent diagnostic tests. The insurance, therefore, would risk exposing itself immediately, to a much higher expense than the sum earned by the insured . Whether it is ethically correct or not, for this reason, the insurances decide to almost never cover any previous pathologies.
Which pathologies are included in the chronic or previous diseases?
For previous illnesses we mean all possible problems as a consequence of pathological states manifested, diagnosed, subjected to examinations or treated before the date of activation of a health plan . This definition applies to both illnesses and accidents . Below are examples of pathologies that could be defined as chronic or past: cardiovascular pathologies, autoimmune pathologies, neurological pathologies, heart pathologies, gastrointestinal pathologies, tumors, etc.
Is there a solution to be able to protect also previous pathologies?
Yes, there is a solution, in order to also protect previous pathologies: the Mutua Sanitaria. While the insurances, in fact, have much stricter guidelines in this sense, the Mutuals are non-profit (non-profit, unlike insurance), which are born with the precise objective of indiscriminately protecting the health of all those who want to join. For this reason, the health plans of the Mutuals also include previous pathologies. It will therefore be possible to subscribe a health plan even in the presence of chronic diseases, with the certainty of having support, in case of need.
How soon is it possible to request an intervention for previous pathologies?
Although it is a No Profit, the Mutua Sanitaria must in any case adopt rules that allow its stability, to protect all the members who rely on it . They could arise in cases where a person who knows he will have to undergo an operation within a couple of months, subscribes to the health plan to cover the costs. In this case, the Mutua would see its stability and therefore the protection of all shareholders greatly undermined. For this reason, the health plans provide for minimum times of shortage , to cover previous pathologies.
In this way, a person can still have protection immediately for any other eventuality, and also have protection in case in the future the previous pathology should recur or worsen, thus requiring health services or interventions.
Which health plan to subscribe in case of previous pathologies?
So what are you waiting for? Take care of your health, even in case of previous illnesses.