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 in the last 5 years 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 liver conditions
  - 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?