FAQ · Q036
Are pre-existing conditions covered?
Pre‑existing and chronic conditions vary by insurer — get a written confirmation for your specific diagnosis about exacerbations, life‑threatening cover or exclusions before buying.
Pre‑existing and chronic conditions are treated differently by each insurer, so obtain a written answer for your specific diagnosis before purchasing a policy. Ask whether exacerbations are covered, whether cover is restricted to life‑threatening events, or whether the condition is excluded; do not withhold information the insurer requests. Ensure any agreement is reflected in the policy wording or in a written clarification, and confirm whether the cover satisfies official entry/visa requirements rather than relying on example products on this site.
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