What are pre-existing conditions? - Private Medical Insurance

There are certain pre-existing medical conditions that insurance companies will not provide cover for, also known as chronic or pre-existing conditions.

A chronic condition is one that is long-standing and requires continuous observation and treatment. Such conditions may be alleviated due to treatment but will not be able to be cured. Chronic conditions that are exempt from private medical insurance covers include:

  • Eczema
  • Asthma
  • Diabetes
  • Irritable bowel syndrome
  • Arthritis
  • Heart disease

A pre-existing medical condition is one that you have received treatment for before beginning your insurance policy, typically a total of 5 years before said cover began. Treatment for these conditions would be classed as the use of medication, seeking of medical advice and any necessary treatment. Such pre-existing conditions would include those above and the following:

  • Cancer
  • Disability
  • Stroke
  • High blood pressure
  • Epilepsy
  • Depression
  • Stress
  • Elevated cholesterol levels

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