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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 is designed to give you peace of mind when it comes to new arising medical conditions and it’s often seen that pre-existing conditions are not usually covered by health insurers across the UK. Here at General & Medical Healthcare, we understand the need for flexibility which is why our Private Health Insurance policies can offer cover for pre-existing conditions.
Our pre-existing conditions cover, for private medical insurance, can provide you with the reassurance you need, knowing that if you have a flare up of one of your conditions covered then you’ll be able to undergo the treatment needed and focus on your health returning to normal.
What pre-existing medical conditions can we offer Private Health Insurance for?
Our pre-existing conditions cover can be added to your policy for an additional premium and you can choose up to two of the pre-defined conditions listed below.
Cover for the above pre-existing conditions are subject to an annual limit of £1,000, however, because we care about our customers and value their loyalty, each year the annual limit will roll up £1,000 to a maximum of £10,000 after 10 years, provided cover has been continuous and there have been no claims relating to the pre-existing condition.
Existing customers and your pre-existing conditions rolling benefit
For existing customers, if you switch over to a different insurer it may be that you will lose the additional benefit accrued with us for your pre-existing conditions, as many other providers do not offer cover for this. You will also lose the rolling benefit of your annual limit which you will have accumulated with us and it may be that your new provider will exclude any related conditions.
Other options for Health Insurance with pre-existing conditions
Choosing the right underwriting method for your circumstances can also help determine whether your pre-existing conditions might be covered later on by your medical insurance. We offer a choice of underwriting options available for you and the two main options are Moratorium and Full Medical Underwriting.
- Moratorium Underwriting: You don’t need to disclose your full medical history but all pre-existing conditions from the previous five years are excluded for a set period, 24 months in our case.
- Full Medical Underwriting: You’ll fill out a medical declaration regarding your past health and any pre-existing condition and any related conditions will be excluded unless we agree to accept them.
We can also offer those looking to transfer from an existing scheme continued underwriting options including continued moratorium or continued personal medical exclusions. Find out more about our underwriting options.
Get your free online quote today to see how little Private 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:
|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.|
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