A congenital disease is a condition, which is present since birth. These are further categorised as internal and external congenital diseases. Anomalies that are in the visible and accessible parts of the body are classified as external, and vice-versa.
Congenital heart defects are common forms of internal congenital diseases. Extra skin is a common form of external congenital anomalies.
Congenital diseases, both external and internal, are part of permanent exclusion list for most individual health insurance policies.
Most group health insurance policies cover internal congenital diseases, but exclude external congenital diseases.
