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A hospitalisation insurance always takes your medical history into account. Insurance companies may apply a limitation or possibly an exclusion as a result. Read all about it below.
A limitation of cover means that your insurance company will not grant you full cover. For example, they may limit your cover for a pre-existing condition. Some insurance companies also apply an exclusion for pre-existing conditions. Helan does not apply an exclusion in such cases.
Our advice: Take out a good-quality hospitalisation insurance policy as early as possible to avoid any future limitation of your cover.
With Helan, limitations for a pre-existing conditions are possible, but exclusions are not.
When you purchase a hospitalisation insurance policy, you fill in a medical questionnaire. Afterwards, a medical report will be requested if there is a pre-existing medical condition. You can obtain this report from your GP or consulting physician, and submit it to the health insurance fund. The decision about whether you will receive a cover limitation for the insurance due to your pre-existing medical condition will depend on this report.
We recommend that you always fill in this list truthfully. If it the medical questionnaire contains inaccuracies or is incomplete, reimbursement will be refused.
Have you received a limitation for a pre-existing condition and are you being hospitalised for that same pre-existing condition?
When admitted for a diagnosis that is independent of the pre-existing condition for which you received a limitation, the cover will apply without limitation. The reimbursement you receive depends on the type of hospitalisation insurance you took out.
If you want to take out hospitalisation insurance when you are already pregnant, specific rules and restrictions apply. Inform yourself well in advance to avoid high costs.
Our advice: Buy good-quality hospitalisation insurance as early as possible in your life, and well before you start expanding your family. That way, you can avoid any future limitation of your cover