Do pre-existing medical conditions affect Private Health Insurance?

17th, April 2015

We often get asked questions around pre-existing medical conditions and the impact they might have on taking out a health insurance plan. There is usually a lot of confusion around whether private medical insurance is even an option for those with pre-existing conditions and if so, will it be significantly more expensive?Jim Livingstone from H3 Health Insurance answers some of the most common questions about pre-existing health conditions and insurance to provide clarity over some of the issues involved.

We often get asked questions around pre-existing medical conditions and the impact they might have on taking out a health insurance plan. There is usually a lot of confusion around whether private medical insurance is even an option for those with pre-existing conditions and if so, will it be significantly more expensive?

Jim Livingstone from H3 Health Insurance answers some of the most common questions about pre-existing health conditions and insurance to provide clarity over some of the issues involved.

Can you take out health insurance if you have a pre-existing condition?

Yes. When applying for cover with H3 you will complete a short medical questionnaire as part of the application itself and depending on your medical history we may apply temporary or permanent exclusions for certain conditions or parts of the body. However, you may still be eligible to take out the cover itself as the exclusions may be limited.

Can this condition ever be covered under your policy?

It depends on the nature of the condition. Generally, if there is a risk of the condition needing future treatment or specialist led care then it is likely to be excluded under the policy. However, it may be appropriate that a temporary exclusion is placed on the policy for a pre-determined time period. We may remove the exclusion if the member can provide medical evidence to confirm that they have been free of symptoms or treatment for that pre-determined time period.

To view the full list of questions and answers regarding pre-existing medical conditions visit our sister site H3 Health Insurance.


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