Medical Advice
What it means, and what it does to a claim.
Any consultation or advice from a registered practitioner, including a prescription or a repeat prescription.
Why it matters
This is the quiet half of the pre-existing-disease test. A condition counts as pre-existing if you received medical advice for it in the look-back window — no diagnosis and no treatment required. A consultation about symptoms, or a repeat prescription you barely think about, is enough to make it declarable.
The legal definition
Medical Advice means any consultation or advice from a Medical Practitioner including the issuance of any prescription or follow-up prescription.
Quoted verbatim from an IRDAI-filed policy wording. Definitions are standardised across insurers, but the limits attached to them are not — always read your own policy schedule.
Related terms
- Disclosure of information norm — The clause stating that the policy is void, and premiums forfeited, if information was misrepresented, mis-described or withheld.
- Medical Practitioner — Someone holding a valid registration with a State or national Medical Council, whether allopathic, Indian medicine or homeopathy.
- Material Facts — Anything an insurer would want to know when deciding whether to cover you and on what terms — your medical history, habits, occupation and existing policies.
- Pre-existing disease (PED) — Any condition you were diagnosed with, or got medical advice or treatment for, in the years before the policy started.
Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.