Pre-existing Conditions

Even though various insurers may have different definitions of a pre-existing condition, it is generally defined as a medical condition that existed prior to obtaining your medical insurance. This can be as simple as a hay fever, or a previous diagnosis of a cancer.

Prior to an insurer approving your application, you will be asked to complete a medical questionnaire. It is very important that you provide all the information required as accurately as you can. If in doubt as to what to disclose, it is better to err on the safe side and do so.

With these information, insurer will then decide the status of your application. What to cover or not to cover and how much to cover. Should an insurer decide to cover your pre-existing condition, it will be accepted based on certain terms and conditions and at a higher premium. How much more will depend on the type of pre-existing condition and the insurer. An insurer may decide to exclude your pre-existing condition in your policy or in some extreme cases, reject your application.

Insurers will usually impose a waiting period, meaning that treatments or claims pertaining to your pre-existing condition or related condition will only be covered after the waiting period, which differs from six to twenty-four months, depending on the type of pre-existing condition and also on the insurer. In excluding the pre-existing condition in your policy, the insurer will not cover for any treatment pertaining to the particular condition or any related condition. Thus, it is important that your doctor reports the correct diagnosis in your claim.