What is a pre-existing medical condition?

A pre-existing medical condition is defined by the questions we ask during the quote process. You must declare all conditions which apply in order for your policy to be valid.

• If you have ever suffered from, received treatment for, or had a prescription for the following:
  - Any cancerous conditions
  - Any respiratory conditions (inc. asthma)
  - Any heart or circulatory conditions (inc. high blood pressure, cholesterol)
  - Any psychiatric or psychological condition (inc. anxiety, stress, depression)
  - Any diabetic conditions
  - Any transplants or dialysis

• If, in the last 2 years, you have received a diagnosis, treatment, prescription, or seen a medical practitioner.

• If you have received, or are waiting to receive treatment/investigation for a diagnosed condition.

Note that pre-existing medical conditions are defined by the insurer. This means that there may be additional conditions which are considered to be pre-existing. These conditions are detailed in the Policy Wording.

Related FAQs

1. Do you cover pre-existing medical conditions?
2. What is a medical screening?
3. What happens if I'm on a waiting list?
4. Do I need to let you know if my health has changed since purchase?
5. Can I exclude some, or all, of my medical conditions?
6. What happens if I don't declare my medical conditions?
7. Can I get insurance if I’m pregnant?
8. Will you cover me if I'm going abroad for treatment/surgery?