You can buy a policy with sub-limits, co-pay and an exclusion period for your existing ailment. Remember sub-limits are limits on what the policy will pay for certain diseases and for the room rent and related costs. A co-pay is what you agree to share with the company in terms of cost. An exclusion period is the waiting period before the policy will start paying a claim. These are restrictive, but better than not having a policy. Also, you may get ‘loaded’ or pay an amount over the regular premium paid by a healthy person due to your pre-existing ailment.
