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What is a pre-existing condition?

A pre-existing condition is a disease, illness or injury which you have received medication, treatment or advice for; or that you have experienced symptoms before the start of your cover, whether or not you have sought advice from a medical professional.

Private health insurance provides a sense of security and reassurance so businesses can enjoy the benefits of a happier, healthier and more satisfied workforce. Pre-existing conditions are not usually covered by health insurers across the UK, but here at General & Medical, we want to give you the reassurance you need when it comes to the health of your employees or members by offering cover for pre-existing conditions.

If one of your employees or members has a flare-up of their pre-existing conditions then they will be able to undergo the treatment they need quickly, which can even result in a reduction of employee absences, benefiting your business.

Our Business Health Insurance can offer cover for these pre-existing medical conditions!

You can choose to extend your employees or members cover to include up to two of the pre-defined condition listed below, for an additional premium.

Cover for pre-existing conditions Cover for pre-existing conditions Cover for pre-existing conditions

There is an annual limit of £1,000 each year for the above pre-existing conditions. Your employees or members will also receive our rolling benefit, providing cover has been continuous and there have been no claims made relating to the pre-existing condition, each year the annual limit will roll up £1,000 to a maximum of £10,000 after 10 years of cover.

Health Insurance with Pre-existing Conditions Cover

Other options for Health Insurance with pre-existing conditions

When it comes to your employees or members choosing the right underwriting options, it’s important to consider whether or not some of your pre-existing conditions will be covered later on. We offer a range of underwriting options for you to choose from which includes new underwriting and we can also offer those looking to transfer from an existing scheme continued underwriting options. Find out more about our underwriting options.

Get your free online quote today to see how little Corporate Health Insurance could cost you and if you’re looking to cover pre-existing conditions from our list, then update your cover options to include this upgrade. Alternatively, if you have any questions or would like to speak to a member of our friendly team, call us on 0800 980 4601.

Pre-existing conditions we cover:

Medical ConditionDescription
AcneA common skin condition, which can cause spots, oily skin and sometimes skin that’s hot or painful to touch. Acne usually develops on the face, back or chest.
ArthritisA common condition that can cause inflammation and pain in joints.
AsthmaA common lung condition which causes breathing problems.
Carpal Tunnel SyndromeCan cause tingling, pain and numbness in your hand and fingers and is from pressure being placed on a nerve on your wrist.
Crohn’s DiseaseA condition where parts of the digestive system become inflamed, there is no cure however treatment can reduce and control symptoms.
DiabetesA condition where your blood sugar levels are too high.
EczemaA skin condition which causes red, itchy, dry and cracked skin which can become inflamed with blisters.
Fibrocystic Breast DiseaseA type of benign breast disease, which means it isn’t cancer. Many breast lumps can be due to fibrocystic changes.
Gastro-Oesophageal Reflux DiseaseA condition where acidic gastric fluid flows backwards and can result in heartburn.
GlaucomaA common eye condition which can lead to loss of vision as the optic nerve becomes damaged.
HypertensionIs also known as high blood pressure and if left untreated can increase your risk to further serious problems.
PsoriasisA skin condition which causes red, itchy and scaly patches of skin.
Ulcerative ColitisA long-term condition causing the rectum and colon to become inflamed.
Varicose VeinsAre veins that become enlarged, lengthened or twisted and can be caused by weak valves and vein walls.

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Business Health Insurance is a great benefit in the workplace. At General & Medical we have a wide range of options and rewards available for your business from flexibility in your premium to access to our Health and Wellbeing services.

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