How is a pre-existing condition defined under Family health insurance policy?

A pre-existing condition means any particular disease or ailment that you or any other insured family member was suffering from before you buy a family insurance policy. The coverage for treatment of pre-existing conditions will not come in force until after 48 months of continued coverage. But in case you are porting from some other insurance plan to IFFCO Tokio, then your policy comes into effect right from the date you sign up for our mediclaim policy for the family.