Pre-existing Conditions Cover

The health of your employees is important and we understand that medical problems can appear at any time

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.

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.

More information about Health Insurance with Pre-existing Conditions

Health Insurance for Pre-existing Conditions can cost less than you think

Health Insurance Products Available To You

Business Prime Essential Health Insurance coverage for your employees, offering core benefits at our most affordable price.

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Module 1 Extend your employees Health Insurance cover with a wide level of protection.

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Module 2 Enhancing your employees health and wellbeing with a comprehensive level of Health Insurance cover.

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Business Elite Our most extensive Health Insurance package, the ultimate investment in your employees’ health and satisfaction.

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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.

Patient and health professional in discussion about pre-existing medical conditions

Patient receives medical attention to his arm by a female doctor

Patient receiving physiotherapy on his leg for his arthritic pain

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.

Pre‑existing conditions we cover:

Medical Condition	Description
Acne	A 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.
Arthritis	A common condition that can cause inflammation and pain in joints.
Asthma	A common lung condition which causes breathing problems.
Carpal Tunnel Syndrome	Can cause tingling, pain and numbness in your hand and fingers and is from pressure being placed on a nerve on your wrist.
Crohn's Disease	A condition where parts of the digestive system become inflamed, there is no cure however treatment can reduce and control symptoms.
Diabetes	A condition where your blood sugar levels are too high.
Eczema	A skin condition which causes red, itchy, dry and cracked skin which can become inflamed with blisters.
Fibrocystic Breast Disease	A type of benign breast disease, which means it isn't cancer. Many breast lumps can be due to fibrocystic changes.
Gastro-Oesophageal Reflux Disease	A condition where acidic gastric fluid flows backwards and can result in heartburn.
Glaucoma	A common eye condition which can lead to loss of vision as the optic nerve becomes damaged.
Hypertension	Is also known as high blood pressure and if left untreated can increase your risk to further serious problems.
Psoriasis	A skin condition which causes red, itchy and scaly patches of skin.
Ulcerative Colitis	A long-term condition causing the rectum and colon to become inflamed.
Varicose Veins	Are veins that become enlarged, lengthened or twisted and can be caused by weak valves and vein walls.

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.

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