Our qualified advisors can help you obtain coverage for some pre-existing health conditions, and this is insurer dependent as each company has their own underwriting rules.
Pre-existing health conditions are usually defined by health insurers as any disease, illness or injury for which the policy applicant has received medication, advice or treatment for; or they have experienced symptoms for the condition even if it was not yet diagnosed for a period of five years before the date of application for coverage.
Health Insurers typically exclude cover for pre-existing health conditions and their related conditions. A related condition is any disease, illness or injury that is caused by a pre-existing medical condition or results from the same underlying cause as a pre-existing condition.
It is important that your application for coverage does not omit any facts materially relevant to any health information, or incomplete facts are not provided, and that all information provided is correct so that your coverage is not found to be void from its inception at a future date.
Please reference our underwriting page about the different forms of underwriting, which can help you choose the best method for your particular circumstances. An application with a health insurer may not be accepted, it may be accepted with special conditions or a premium loading, or be accepted with standard terms.
If you have a pre-existing health condition our service team may be able to assist you to obtain coverage for these in some circumstances. An insurer may consider covering a health condition after review of someone’s medical notes or recent test results.
If this is of interest to you, please prepare a copy of your medical notes relating to the health condition including any relevant test results and contact us to initiate the process.
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*Please note however that a limited number of health insurers will consider covering health conditions, so we may need to recommend an insurer which was not your preferred insurer choice.
**Applicants personal medical notes and test results determine if an insurer can cover a health condition, so an application may be rejected, or covering may be offered for a premium loading which reflects the severity of the condition.
***Insurers together with a premium loading may wish to apply a higher plan deductible as a condition of acceptance.