Implications of pre-existing conditions

undefinedSome insurers have started to include pre-existing medical conditions in their products. So, you may still be eligible for an adequate international health insurance cover. 

As brokers, we know that this is a very complex area. We are here to help you understand the implications of having a pre-existing medical condition when considering the different types of underwriting available. Some basic information follows. Please contact us to see how we can help you and your specific needs.

How Do the Different Types of Underwriting Work?

  • Full medical underwriting

    This is when you declare your medical history to the insurer before signing of your policy. Depending on the provider and on the condition, insurers can - Include the condition; - Include the condition with a premium loading; - Exclude the condition; - Decline the application.

  • Moratorium underwriting

    This is when you make no medical declarations at the time of application. Any pre-existing medical conditions that you have suffered in the past will automatically be excluded from cover for at least the first two years of your plan. 

    Once you have been completely free from the condition for a stipulated length of time, the condition can then become included in your cover. By “completely free from the condition” means no treatment, medication, symptoms, doctor’s advice or visits.
    The stipulated length of time will depend on the insurer.


Which Type of Underwriting Is Best for Me?

It depends on your medical history. If you have a medical condition that you want included in your cover, then we will look at a plan that offers full medical underwriting.

However, not all insurers carry out full medical underwriting in the same way. Most of them underwrite to exclude existing conditions, whereas a small number do underwrite to try and include your pre-existing conditions wherever possible.

Moratorium works well if you have a clean medical history, certainly for the last couple of years. Alternatively, you may have been treated for a condition that is not anticipated to reoccur, and so you are happy for this to be excluded.


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