A pre-existing condition is a medical illness, injury, or symptom you already have – or have sought treatment for – before applying for health insurance. Most people have at least one. The insurer may choose to exclude this condition from your cover.
Health insurance is the most strictly underwritten insurance type because of the ease with which you can claim. Remember that exclusions are not necessarily permanent – they can be reviewed, and we are proactive with this process.
Some insurers even have policies that cover most pre-existing conditions after three years.