What is a pre-existing medical condition UK?Asked by: Jerrod Johns | Last update: December 14, 2022
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A pre-existing condition is a disease, illness or injury which you have received medication, treatment or advice for; or that you have experienced symptoms before the start of your cover, whether or not you have sought advice from a medical professional.
What counts as a pre-existing medical condition?
A medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.” Conditions like diabetes, COPD, cancer, and sleep apnea, may be examples of pre-existing health conditions. They tend to be chronic or long-term.
What is an example of a pre-existing condition?
What's a pre-existing condition? A pre-existing condition is a health problem you had before the date that your new health coverage starts. Epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy are all examples of pre-existing conditions.
What pre-existing conditions are not covered?
Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.
Can you get private health insurance with a pre-existing condition UK?
Health insurance doesn't generally cover pre-existing conditions. Pre-existing conditions, and ailments related to it, are often excluded from your policy because health insurance is designed to treat new conditions that occur after your cover has started.
Bupa By You health insurance | Understanding pre-existing conditions
How do insurance know about pre-existing conditions?
Full medical cover underwriting
Full underwriting lets you know for sure whether your pre-existing condition is covered or not. You have to provide your insurer with extensive details of your medical history.
Can you join Bupa with a pre-existing condition?
Health insurance doesn't generally cover pre-existing conditions. If they've never had health insurance, we'll need to base our decision on the cover we can offer your clients on their past seven years' medical history.
Is arthritis a pre-existing condition?
Arthritis is generally considered pre-existing medical condition. This doesn't necessarily mean you can't get travel insurance, but you do need to disclose your condition before you book your cover. With arthritis, you'll need to declare your specific type of arthritis whether it's osteo, rheumatoid, or psoriatic.
Is High Cholesterol a pre-existing condition?
High cholesterol as diagnosed by a physician is considered to be a pre-existing condition by most - if not all - travel insurers.
Is depression considered a pre-existing condition?
In health insurance terms, depression is a pre-existing condition if you have seen a provider for it or been diagnosed with it during a specified period of time before you sign up for a new health plan.
What is the difference between existing and pre-existing?
A. You can use pre- in ways that are redundant, but it's a valid prefix, and preexisting has its own meaning. For instance, if you want to describe dinosaurs in relation to humans, existing doesn't work, but preexisting does.
Is anxiety considered a pre-existing condition?
Not only do insurers have to offer coverage to people with common pre-existing conditions, like depression or anxiety, plans also have to cover treatment.
What does it mean by pre-existing?
Definition of preexisting
: existing at an earlier time a preexisting medical condition.
Do pre-existing conditions have to be diagnosed?
A pre-existing condition is a health issue that required diagnosis or treatment prior to an applicants' enrollment in a health plan.
What is an example of a medical condition?
Chronic medical conditions
Alzheimer's disease. Arthritis. Chronic obstructive pulmonary disease (COPD) Depression. Diabetes.
Is high blood pressure considered a preexisting condition for travel insurance?
The quick answer to this question is: yes! You should always tell your insurer about your high blood pressure, even if it's being well-managed through medication. High blood pressure is considered to be a 'pre-existing medical condition' by insurers.
Is osteoporosis a pre-existing condition?
Osteoporosis is considered a pre-existing medical condition.
Is blood pressure covered in health insurance?
Regular health insurance may cover hospitalisation from hypertension subject to terms and conditions.
Is knee pain a pre-existing condition?
Any conditions, whether it be an illness or injury, that you had prior to the workplace accident is considered a pre-existing medical condition. Some obvious examples of pre-existing injuries include herniated disks, broken bones, shoulder or upper body injuries, knee injuries, and torn ligaments.
Which diseases are not covered in health insurance?
- Congenital Diseases/Genetic Disordered. ...
- Cosmetic Surgery. ...
- Health issues due to consumption of drugs, alcohol, and smoking. ...
- IVF and Infertility Treatments. ...
- Pregnancy Treatment. ...
- Voluntary Abortion. ...
- Pre-existing Illnesses. ...
- Self-Inflicted injury.
Can I be denied health insurance because of a pre-existing condition?
Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.
Does AXA cover pre-existing conditions?
Insurance is designed to cover new and unforeseen risks. Therefore, most private medical insurance doesn't cover treatment for conditions you're already suffering from until after a specified treatment free period. These are known as pre-existing conditions. View our short video on pre-existing conditions.
What's another word for pre-existing?
Existing previously. Already in existence before (something else).
Is asthma pre-existing condition?
A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.
Is depression covered under insurance?
Yes. Depression and hypertension are covered under health insurance plans in India. Insurance companies in India provide financial assistance to the policyholder to pay for the treatment cost of depression and hypertension. Since depression is a type of mental illness, it is covered by a mental health insurance plan.