Private Business Intermediaries

Understanding Chronic and Pre-existing Medical Conditions

Calendar IconWhen applying for private health insurance, any pre-existing medical conditions and health issues you’ve had in the past could potentially affect your coverage. 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.

At Freedom Health Insurance, we know that understanding these two main categories of medical conditions will help you make better choices when applying for a private medical insurance policy. 

What Are Considered Chronic Medical 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.
Some examples of common chronic conditions include asthma, diabetes, arthritis, chronic obstructive pulmonary disease, heart disease, cancer and epilepsy.

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, our Freedom Elite and Freedom Worldwide policies include Cancer Cover as a standard benefit.

What is a Pre-Existing Medical Condition?

A pre-existing medical condition is a disease, illness or injury for which you have received medication, advice or treatment in the five years before your joining date.

In addition, it is also considered a pre-existing medical condition if you have experienced symptoms, whether the condition has been diagnosed or not, in the five years before your joining date.

Can I Get Health Insurance If I Have a Pre-Existing Medical Condition?

The type of underwriting determines whether your pre-existing conditions will be covered in the future. The most common types are full medical underwriting and moratorium

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 continued personal medical exclusion (CPME), continued moratorium (CM) and medical history disregarderd (MHD - only for group business policies).

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