A pre-existing condition is a health condition present before the relevant coverage start date, as defined by the health insurance policy. Definitions may consider diagnosis, symptoms, advice, or treatment during a stated look-back period. Such conditions may face a waiting period, exclusions, or different acceptance terms.
A Nepalese applicant should disclose relevant medical history accurately in the proposal form and retain supporting records. A condition is not automatically covered because it was not formally diagnosed before purchase. Ask the insurer how it defines the term and whether continuous prior coverage changes the treatment.