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How to Get Health Insurance with a Pre-Existing Condition

May 10, 2021 By Private Healthcare Advisers

Pr-existing health conidtions

How to Get Health Insurance with a Pre-Existing Condition

Private Medical Insurance can be confusing – especially when it comes to decoding provider terms and conditions surrounding chronic and pre-existing medical conditions. Here at Private Healthcare Advisers, we’re experts when it comes to finding policies which match our customer’s needs, and – we do it for free.

To help, we’ve put together this #blog which explains everything you need to know about finding the right Private Medical Insurance and how it works with pre-existing health conditions.

 

What is a pre-existing condition?

A pre-existing medical condition is an illness, disease or injury which falls into one of the following categories:

  • You have received treatment, medication or advice on it – in the last 5 years
  • You have experienced symptoms, which may not have been diagnosed, in the previous 5 years

 

What is a chronic condition?

A chronic medical condition is a disease, illness or injury which falls into one or more of the following categories:

  • It requires long-term treatment, to manage symptoms
  • It requires rehabilitation or care training
  • It has no known cure
  • It comes back or is likely to come back
  • It means you require ongoing or long-term monitoring and care (i.e. consultations, examinations, check-ups).

 

Most chronic medical conditions are not covered by health insurance providers.

Can I get health insurance with a pre-existing medical condition?

Health insurance is to provide peace of mind and cover when unforeseen medical conditions happen – after the start of a policy.

It is not to cover pre-existing or chronic conditions. If you want health insurance to cover unforeseen medical conditions, you have 2 options:

GET A QUOTE TODAY

Full medical underwriting

Full medical underwriting (FMU) is when you provide a health insurance provider with your entire medical history – in detail. You will often have to complete a questionnaire and can even be asked to grant a provider with access to your medical records.

They will use this information to confirm with you if they can or cannot cover any existing medical conditions. Any exclusions or ‘special conditions’ will normally be confirmed in writing on your insurance certificate. This means you will know exactly what is covered from the outset.

 

Moratorium underwriting

This means you will not be asked to provide medical history to start a policy or coverage. Instead, if you make a claim, an insurer will then ask to look at your medical history and will use this to decide if they will pay for your treatment.

If your policy does not include pre-existing conditions and you try to claim for this type of treatment, your insurer has the right to reject your claim.

We’ll help you find Private Medical Insurance cover

Here at Private Healthcare Advisers we’re here to help. Speak to one our advisers and get a no obligation quote – Click here to get your own quotation.

If you feel you could benefit from Private Medical Insurance or would like to find out more about the costs involved, please contact us

Private Healthcare Advisers

 

 

 

 

Filed Under: Private Medical Insurance, Uncategorized Tagged With: PMI, pre-existing conditions, Private Health Insurance Renewal, Private Healthcare, Private Healthcare Advisers

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The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

Private Healthcare Advisers Ltd is an appointed representative of The Right Mortgage Ltd. The Right Mortgage Ltd is authorised and regulated by the Financial Conduct Authority. Financial Services Register number 649443. Private Healthcare Advisers Ltd is registered in England & Wales No: 05678788 Registered address: Arrowsmith Court, Station Approach, Broadstone, Dorset BH18 8AT Tel: 01929 477 318

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