Do Insurers Ask About Previous Malaria Infections During Medical Underwriting

Yes, insurers may ask about previous malaria infections during medical underwriting, especially if you are applying for comprehensive health insurance or have a history of recurrent infections.

Health insurance providers usually ask this to determine your overall health risk and decide policy terms, premiums, and coverage conditions accordingly.

However, many people don’t disclose their previous medical history, including malaria infections, to the insurer in order to save on premiums. Not sharing these updates could also lead to your health claim rejection during medical emergencies. It is important to ensure a proper evaluation of the risks involved and allow insurance companies to set appropriate policy terms, such as coverage limits and exclusions.

Why Do Insurers Ask About Your Previous Malaria Infections During Medical Underwriting?

When you apply for a health insurance policy, the insurers ask about your previous medical history during medical underwriting to check on your health and understand your possible future risks.

Even though malaria cases are treatable, a history of repeated or severe infections can increase health risks.

During medical underwriting, your insurer may ask you some questions regarding malaria, such as:

• Episodes of malaria infection?


• How many times have you had malaria?


• How serious it was?


• Any complications caused by malaria, such as anaemia?

Note: Make sure to provide all the information to the insurer correctly and completely during medical underwriting.

Does a Previous Malaria Infection Affect Health Insurance Policies?

Yes, malaria infection can impact your health insurance policy. However, if your malaria history is mild, treated completely, and not recurrent, it usually has minimal impact on your policy.

This can affect several factors, such as:

• The cost of the Premium: After asking several questions, if the insurer considers you as a higher-risk applicant, you may be charged a higher premium. On the other hand, if your risk level is low or moderate, you may be charged a lower premium.


• Waiting period: The insurer may apply a waiting period for infectious or tropical diseases. This means you need to serve the required time period to avail of health insurance coverage benefits.


• Coverage terms and conditions: Not all, but in some cases, insurers may apply exclusions or sub-limits for related complications.