Private Health Insurance for Pre-Existing Conditions In-depth

Pre-existing medical conditions are one of the most complex areas of international private medical insurance, and quite often one of the most overlooked.

Every insurer treats this matter slightly differently, and not all pre-existing conditions can be covered. This is why impartial advice is essential to find the best underwriting for you.

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Private Health Insurance Pre-Existing Conditions

private health insurance pre existing conditions covered

Pre-existing conditions cover overview

  • Pre-existing conditions are medical conditions you know about or have previously sought treatment for.
  • Pre-existing cover can offer protection against costs for medical attention (including or excluding the specific condition)
  • If you need treatment for a condition that you already knew existed, your insurance will likely not cover the costs if you have not disclosed your condition.
  • There are affordable solutions for a range of conditions, so make sure you contact our Medibroker experts to find the best private health insurance for pre-existing conditions.

Moratorium waiting periods

Some conditions can be covered after an agreed period of time with a moratorium application, providing they meet specific criteria.


Some insurers will offer health insurance, but excluding pre-existing conditions declared in Full Medical Underwriting (FMU).

Increased cost

A plan which covers pre-existing conditions is very likely to cost more, so you should consider your budget carefully.

Can I get my pre-existing condition covered?

Until recently, international private medical insurance for individuals and small corporate plans would usually exclude pre-existing conditions.  In the last couple of years, several insurance providers have changed their approach to this matter, which is good news for anyone with a condition they would previously have struggled to cover.

Medibroker has private health insurance for pre-existing conditions covered and can access insurance plans that will look at your medical history, including your pre-existing medical conditions, and will try to include them in cover. A potential premium might be applied by the insurer.

Other optional cover includes:

We are here to help you find the right private health insurance for pre-existing conditions plan that suits you


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