In Mediclaim, suppose I file a claim for a particular sickness. Will this be considered a preexisting illness for the next term?

If you file a claim for a specific sickness, it is not automatically considered pre-existent. Depending on your insurer’s terms, it will be covered in the policy as long as you renew it within the time mandated without a break in the term. If there is a break, the sickness will be considered pre-existent and attract exclusions. Refer to your policy terms to understand the conditions related to the break in insurance term and grace period allowed.