Page 307 - Ebook health insurance IC27

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might not get a headache on a daily basis. But when a headache occurs, it is severe in
nature, of short duration and controlled with rest and medications. The headache, when
it occurs is known as acute episode of migraine.

Chronic illnessesand pre-existing conditions areusually excluded by amajority of insurers.
However, initial diagnostic investigations until the diagnosis is confirmed, are usually
covered. Further maintenance and preventive treatments are not covered. Pre-existing
and chronic condition are discussed in later chapters.

Several of the terms used in the above definitions require explanation. These are defined
as follows:

Acute Condition
Is rapid onset of a medical condition, often accompanied by severe symptoms and
intense pain, and of brief duration after which the insured person returns to their normal
or previous state of health and degree of activity.

Chronic Condition
is a medical condition that persist over a long duration, requiring regular maintenance
treatment, without prospect of cure or of being able to return the insured person to his/
her normal or previous state of health. An example of chronic condition is diabetes
mellitus. The illness itself is long-life, but can be controlled with medications and lifestyle
changes.

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