[I:http://www.compareusinsurance.com/wp-content/uploads/2009/08/JDTheis3.jpg]In insurance glossary , pre-existing conditions refer to the diseases and health ailments an individual is already suffering from at the time of generating the health insurance quote. In that case the cost of policy increases because the insurance provider has to provide you coverage for this sure short disease, so the risk factor is on the higher side.

Pre-existing conditions of Health Insurance companies defines the rules and regulations covered in it. The first thing which they ask you if you are going for Insurance cover is that, whether you are suffering from any disease or not? If you are hiding it for your financial benefits, then you are not hiding to them, you are hiding to yourself by risking your life. Ethically also, it is not correct, you will not be able to get the risk cover of your Health when the time of claim comes.

But another alternative available with an individual to get his pre-existing medical conditions of non-terminal nature covered is that of group health insurance wherein he may get the coverage for a particular health ailment he already suffers from, as the part of a group. As we know a group as a whole is in a better position to demand comprehensive coverage under an affordable health insurance policy and bargain over price after generating health insurance quote.

So if the majority of the members of a group say. Employees belonging to an organisation or the labour union demand coverage for a specific health ailment, for e.g. diabetes, then the person who is already been detected positive for it also gets covered for diabetes at the same cost I.e the amount he will have to pay as deductible or part of the premium in the group health insurance scheme. This wouldn’t have been the case under ordinary circumstances I.e in case of individual health insurance plans.

For more information you can log on to www.insurancecaredirect.com you can also take the advice of Health experts before going for Insurance. So, don’t risk your life just for the sake of pre-existing conditions. It is necessary as they are covering the risk factor involved with you and don’t hide your disease, if you are suffering from any, just for the sake of money. In longer time, you may not be able to get the risk cover involved in it!