Since a health insurance company is supposed to take care of the medical expenses of their clients, it becomes obvious that they take all their medical history into account before approving the policy. This is known as pre existing conditions in the technical terminology and has to be filed by all. Trying to hide it is not possible because a through checkup is performed by the medical experts for the insurance agency and based on their reports, any decisions are taken. In case a policy holder does manage to fool the agency and succeed in hiding a case, the discovery at the time of claim would lead to termination of the policy or levy hefty charges onto the client as per the terms and conditions of the firm.

Terminal illness like cancer, diabetes, aids which remain with a person till the death bed are very detrimental for the health insurance costs, whereas, problems which may get over like pregnancy, depression are given some relaxation. Further cost reductions are possible once the person recovers from them. In cases where medical conditions exist, a waiting period of 6 - 12 months is levied, during which, that problem is not insured (no charges are also applicable against it). This is an added advantage for people who would have been denied a health insurance policy otherwise.

Rates of the policy coverage, to a large extent, depend upon these pre existing conditions. People should be ready to dish out higher amounts in such cases whereas; people who are in perfect health conditions are expected to get cheaper rates. Age and physical fitness levels are other important items considered by the insurance agencies.

If the costs have to be reduced, the best option would be to take up a group health insurance plan. It would comprise of more than one individual and hence would not be as personalized as an individual plan, but the cost sharing mechanism would be very beneficial for the finances. The brunt of such a plan has to be borne by the healthy people in the group who would end up paying more. This is not an issue if it is a family healthcare plan as the total premium would come from the same household in either case.

Different companies have different policies while dealing with their clients. Confirming with their rules and regulations would be very helpful for people looking for the best deal. It is very much possible that a policy which is way over budget in one agency may be totally in it in the other. There are only 2 groups of people who can be contacted for such matters. First are the agents who have in-depth detail of all policies and the second are those who already have a policy.

Ideas that people with pre existing medical conditions are not able to get a health insurance policy on their name are completely wrong. Due to government regulations, there are always provisions for those in need. Discrimination is a path that cannot be followed by anyone.