How does the insurance company determine if a disease is pre-existing?

The insurance proposal form asks for details of previous illnesses, treatment thereof and full medical history. Disclosing this accurately is important. If found out later, it can mean losing out on benefits. The insurance team’s medical panel then reviews the form to determine pre-existing and recently acquired diseases, based on which the policy’s terms and conditions are decided. To get the best health insurance policy coverage, compare insurance quotes online.