Cover for
pre-existing and chronic conditions

Cover for pre-existing and chronic conditions

Pre-existing conditions

Chronic conditions

Medical conditions reviewed by a doctor or a medical professional, and/or for which one or more symptoms presented at some point during your or your dependants’ lifetime. This applies regardless of whether you or your dependants sought any medical advice or treatment. We would deem any such condition to be pre-existing if we could reasonably assume you or your dependants would have known about it.

Medical conditions that last longer than six months or require medical attention (such as check-up or treatment) at least once a year. They also have one or more of the following characteristics:

Is recurrent in nature.
Is without a known, generally recognised cure.
Is not generally deemed to respond well to treatment.
Requires palliative treatment.
Leads to permanent disability/known to be degenerative.

Coverage for pre-existing medical conditions (including pre-existing chronic conditions) depends on the medical underwriting terms you select. For policies which are fully medically underwritten we can provide cover for the vast majority of pre-existing or chronic conditions (Subject to medical underwriting).

Within the limits of your chosen plan(s), we cover chronic conditions that arise while your membership is in effect. Eligible costs are covered under the benefits outlined in the Table of Benefits.

Examples of pre-existing/chronic conditions which we may cover:

Asthma
Dermatitis
Gallstones
Gastritis
Hiatus Hernia
Hypercholesterolemia
Hypertension

Kidney stones
Prostatitis
Thyroid disorders
Allergies
GERD
Migraine
Infectious tropical diseases