Pre-existing Conditions

Pre-existing conditions are defined as: An illness or injury that has displayed symptoms or is known to the policyholder prior to the time of application for the plan. Pre-existing conditions can potentially affect an insurance company's decision to provide coverage.

There are a number of options that we can offer in regards to pre-existing conditions.

Cover after a waiting period – A moratorium of usually 24 months is offered. If, during this time there is no treatment (check ups, medications prescribed, or symptoms displayed) sought for the condition, it may be reconsidered for cover.

Cover with a premium loading – Some conditions may be considered for coverage at the expense of a higher premium. The type of condition will affect the decision to offer coverage and some conditions cannot be covered by loading the premium.

Exclusion – In some cases, an insurance company will offer coverage but exclude the pre-existing condition and “all consequences” of that condition. If, for example, a policyholder enters a plan having declared a pre-existing condition, the insurance company will not cover any treatment related to that condition.

Group coverage – In a group with 20 or more members it is possible for all pre-existing conditions to be covered. In large groups the insurance company can decide to disregard the medical history.

For help in finding a plan that will cover your pre-existing condition, or for more information about in international health insurance plan, please contact us.