Private Business Intermediaries

Understanding Chronic and Pre-existing Health Conditions

Calendar Icon A range of medical conditions and health issues you had in the past can affect your health insurance application. Some of them could become temporary or general exclusions for your new policy. Understanding the two main categories of medical conditions will help you make better choices when applying for a private medical insurance policy. 

In general most private medical insurance products exclude both pre-existing and chronic conditions. This is to help to create affordable health insurance: if these conditions were not excluded there would be a higher number of claims making health insurance much more expensive.

If you would like further information about chronic or pre-existing conditions then please contact us via phone, email or using our online chat facility. 

Chronic Conditions

A chronic condition is a disease, illness or injury which has one or more of the following characteristics:
  • It requires ongoing or long-term treatment to control or manage the symptoms
  • It requires your rehabilitation or for you to be specially trained to cope with it
  • It continues indefinitely
  • It has no known cure
  • It comes back or is likely to come back
  • It needs ongoing or long-term monitoring through consultations, examinations, check-ups, and/or tests.
While most chronic conditions are not usually covered by health insurance providers, Freedom Health Insurance covers short-term treatment for unexpected acute aggravations of the chronic disease necessary to stabilise the condition, if no other limits, exclusions or policy conditions apply. Find out more about chronic conditions.

Moreover, all Freedom Health Insurance policies include Cancer Cover as a standard benefit. 

Pre-existing conditions

A pre-existing condition is a disease, illness or injury which has one or more of the following characteristics:
  • You have received medication, advice or treatment for it in the five years before your joining date.
  • You have experienced symptoms whether the condition has been diagnosed or not in the five years before your joining date.

For health insurance policies that are underwritten on a Moratorium basis, any medical condition that occurred during the five years prior to the inception of your policy will be excluded for the first two years your policy is in force. Cover excluded by the Moratorium may be reinstated later if the medical condition has not recurred for a continuous period of two years since the date it was last treated.

Freedom Health Insurance also offers Full Medical Underwriting/ CPME/ MHD - for more information please click here.