Pre-Existing Conditions Cover
Pre-Existing Conditions Cover is designed for individuals who have previously been diagnosed with, received treatment for, or experienced symptoms of a medical condition.
Finding suitable health insurance can be more complex when you have a medical history. However, some insurers may offer cover for certain existing conditions, subject to medical underwriting, additional terms, or specific exclusions.
Whether you are looking for private medical insurance, travel health insurance, or specialist protection for a particular medical condition, we can help you compare available options from leading providers.
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INTRODUCTION
What is Pre-Existing Conditions Cover?
Pre-Existing Conditions Cover refers to insurance that may provide protection for medical conditions that existed before a policy was arranged.
A pre-existing condition may include a medical condition that you:
- Have previously been diagnosed with
- Have received treatment for
- Have experienced symptoms of
- Are currently receiving treatment for
- Have taken medication for
The definition of a pre-existing condition varies between insurers and policies.
Some insurers may offer cover subject to medical underwriting, while others may apply exclusions, additional premiums, or specific terms.
Who Needs This
Can You Get Health Insurance with a Pre-Existing Condition?
In some cases, yes.
The availability of cover depends on factors such as:
Some insurers may provide cover for certain existing conditions, while others may exclude them from the policy.
The terms offered will depend on the insurer’s underwriting assessment.
COVERAGE
What Can Pre-Existing Conditions Cover Include?
The exact benefits depend on the policy selected.
Some conditions may be covered subject to specific terms, while others may be excluded.
Who Is Pre-Existing Conditions Cover For?
This type of insurance may be suitable for:
- Individuals with previous medical conditions
- People currently receiving treatment
- People with ongoing health conditions
- Travellers with existing medical conditions
- Families with medical histories
- Older adults
- People requiring private healthcare
- Individuals changing health insurance providers
Whether you require cover for a specific medical condition or want to find suitable wider healthcare protection, comparing available options can help you understand your choices.
Why Specialist Cover May Be Important
Standard insurance policies may not automatically cover medical conditions that existed before the policy began.
Depending on the insurer, a pre-existing condition may be:
- Covered in full
- Covered subject to specific terms
- Covered for certain treatments only
- Subject to an additional premium
- Excluded from the policy
Specialist advice and accurate medical information can help ensure that the policy selected is appropriate for your circumstances.
Pre-Existing Conditions and Private Medical Insurance
Private Medical Insurance policies may treat existing medical conditions differently from new conditions that develop after the policy begins.
Depending on the insurer, you may be asked questions about:
- Previous diagnoses
- Medical consultations
- Hospital treatment
- Symptoms
- Medication
- Investigations
The insurer may then decide whether the condition can be covered and under what terms.
Some policies may use medical underwriting, while others may apply specific exclusions to pre-existing conditions.
Pre-Existing Conditions Travel Insurance
Travelling with an existing medical condition may require specialist travel insurance.
Some travel insurance providers may offer cover for eligible existing conditions following medical screening.
Depending on the policy, cover may provide benefits for:
Common Conditions That May Require Specialist Underwriting
Depending on the insurer and policy, medical underwriting may be required for conditions such as:
- Diabetes
- Asthma
- Heart conditions
- High blood pressure
- Cancer history
- Arthritis
- Mental health conditions
- Respiratory conditions
- Neurological conditions
This is not an exhaustive list, and the availability of cover will depend on the insurer’s assessment.
Medical Underwriting for Existing Conditions
Medical underwriting helps an insurer assess the level of risk associated with an existing medical condition.
You may be asked about:
- The date of diagnosis
- Previous treatment
- Current symptoms
- Medication
- Medical tests
- Hospital admissions
- Specialist consultations
The information provided helps the insurer determine the terms on which cover may be available.
Providing accurate and complete information is important when applying for insurance.
Choosing the Right Pre-Existing Conditions Cover
When comparing insurance for existing medical conditions, you may wish to consider:
- Whether your condition is covered
- Medical underwriting requirements
- Policy exclusions
- Additional premiums
- Waiting periods
- Treatment limits
- Specialist access
- Existing medication
- Claim requirements
The most suitable policy will depend on your medical history, current circumstances, and the type of cover you require.
Types of Pre-Existing Conditions Cover We Can Help Arrange
We can help you explore a range of insurance options, including:
- Private Medical Insurance for Existing Conditions
- Travel Insurance for Pre-Existing Medical Conditions
- Specialist Health Insurance
- Individual Health Insurance
- Family Health Insurance
- Medical Insurance with Underwriting
- Health Insurance for Ongoing Conditions
The options available will depend on your circumstances and the insurer’s underwriting requirements.
HOW WE ARE DIFFERENT
Why Choose Compare Health Insurance?
Frequently Asked Questions
A pre-existing medical condition is generally a condition that existed before an insurance policy began. This may include a previous diagnosis, symptoms, treatment, or medication.
The exact definition varies between insurers.
In some cases, yes. Some insurers may offer cover subject to medical underwriting, exclusions, additional premiums, or specific policy terms.
Not necessarily. The treatment of an existing condition depends on the insurer, the condition, and the policy selected.
You may need to provide relevant medical information when applying for certain types of insurance. The information required depends on the insurer and underwriting process.
Yes, some travel insurers offer cover for existing medical conditions, subject to medical screening and the policy terms.
This depends on the insurer and the medical condition. An additional premium may apply in some circumstances.
Some insurers may offer cover for certain existing conditions, while others may apply exclusions or specific underwriting terms.
Get Your Free Pre-Existing Conditions Cover Quote
Whether you need private medical insurance, travel insurance, or specialist healthcare protection for an existing medical condition, we’ll help you explore suitable options from leading providers.
Speak with our experienced team today and compare Pre-Existing Conditions Cover designed around your medical history and healthcare requirements.