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Congenital Anomaly | Coverage in Insurance

A congenital anomaly or disease is a structural or functional abnormality which has been present in a baby’s body since birth. In simple terms, it is also called a birth defect. 

A congenital anomaly which is in the visible or accessible part of the body is called an internal congenital anomaly, such as congenital heart disease, cerebral palsy or down syndrome. 

If the anomaly is in the visible and accessible part of the body, it is called an external congenital anomaly. Examples include cleft lip or clubfoot.

Most health insurance policies do not cover congenital anomalies. Some policies may cover congenital disorders, which are diagnosed after the purchase of the policy. For exact terms and conditions on coverage of congenital anomalies, refer to your policy document.

 

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