Pre-Existing Conditions
A pre-existing condition is any illness, injury, or symptom that existed before your policy started—or sometimes before a waiting period ended—whether or not you had a formal diagnosis. International insurers manage this through underwriting (health declarations and sometimes reports), moratorium periods during which certain past conditions are not covered, specific exclusions, or loading of premium.
Moratorium-based plans may cover a condition after you have been symptom- and treatment-free for a defined period; medically underwritten plans may exclude it permanently, cover it after a waiting period, or cover it from day one if accepted at standard terms. Chronic conditions such as diabetes or hypertension are often scrutinised closely; stable maintenance on long-standing medication is not automatically excluded, but non-disclosure can void cover later.
Be precise on application forms and keep a copy of what you submitted. If your health changes between application and inception, notify the insurer. For families, check how newborns and pregnancy-related history are treated. We can explain typical insurer questions so you can prepare documentation and set realistic expectations before you bind cover.