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The Exeter

A pre-existing condition is no longer a hindrance to attaining health insurance. It should not prevent you and your family from safeguarding your financial security; therefore, health insurance coverage for those with pre-existing diseases is certainly attainable. It also helps you prevent other conditions that may occur due to the current condition, and so you can accordingly prepare for medical emergencies that may arise in the future.

Due to the necessity of having health insurance regardless of your condition, we have access to a vast worldwide network of medical providers where you can save up to 75% on your plan and even have the option to compare health insurance for pre-existing conditions.

What is a pre-existing condition?

A pre-existing condition is a medical illness, injury, or a condition for which you have experienced symptoms and received medicine, consultation, or treatment before your health insurance policy's official start date. Pre-existing conditions that you may want to tell your insurer about include, but are not restricted to, the following:

  • Pulmonary, cardiac, or cardiovascular disease such as hypertension, stroke, or transient ischemic attacks, as well as any cancer or malignant ailments you have been diagnosed or treated for
  • Psychological or psychiatric conditions like anxiety or depression for which you have been evaluated and have received treatment
  • Any other condition, disease, or accident for which you are taking medicine, have seen a hospital specialist, or have required inpatient care

Can i get health insurance with pre-existing conditions?

Comparing policies can be difficult because of the varying definitions insurers employ regarding specific coverage. One of the best things about our service is that we can check the current coverage of your insurance to see if it is in line with the records provided by your GP for any previous medical care you’ve had.

In the event that your condition is still unidentified and you are still running tests to figure out what the situation is, there may be insurers that cover both NHS and private-sector testing, appointments, medicines, operations, and other treatments.

Up to five years of clinical history may be looked into, which is why it is crucial to go through your medical records thoroughly. Furthermore, if you get health insurance but don't report a pre-existing condition, you will not be able to file a claim in relation to that specific illness or injury. This is called a “private medical insurance” policy.

Why can health insurance be difficult to get for pre-existing conditions?

Pre-existing conditions, as well as all associated conditions to it, were formerly excluded from most health insurance coverage. This was due to the wariness of posing a greater financial risk, as a patient would more than likely seek treatment for it.

For instance, someone with high blood pressure would very certainly have exclusions on their insurance for anything that could happen as a result of such a disease, including exclusions like aneurysms, heart attacks, and strokes - regardless of if the disease was being managed with medication.

Does health insurance have to cover pre-existing conditions?

Health insurance is meant to cover unexpected medical issues that arise after the policy's formal commencement date. It is, in general, a level of coverage meant to provide you with peace of mind when it comes to possible future medical issues.

As a result, most medical insurance policies do not cover pre-existing diseases or secondary conditions that are correlated to such. Nonetheless, there are several instances in which health insurance for pre-existing conditions may be made accessible. This typically occurs when the insurer deems the problem may no longer have a recurrence.

Will my policy exclude those conditions specifically?

Information on health insurance is extensive, and insurance is provided on a case-to-case basis due to the fact that each person is different. Insurers use your health records and other criteria to determine the exact rate they may charge you. We can look into complete medical underwriting for you if you've had a small ailment in the past or if you want to be sure what health concerns are covered in a policy.

This entails filling out a thorough health questionnaire and providing the insurer with specific details about your medical history. After that, the underwriters will assess the risks and then recommend a policy with a specific cost that matches your health and lifestyle. Pre-existing conditions may be excluded from coverage, included once a certain length of time has elapsed or covered from the onset.

When it comes to health insurance, honesty is critical. In the case of a claim, you want to know that the treatment for your illness or injury will be compensated for. We also urge you to double-check the documentation as soon as it is made available by the insurer.

What are my options for pre-existing medical conditions in the UK?

When you apply for health insurance for pre-existing conditions, you may specify how insurers will evaluate any pre-existing medical issues you believe you may have. Full medical underwriting and moratorium are the two most frequent kinds of health insurance underwriting.

Full medical underwriting

You'll need to fill out a Medical History Declaration if you select Full Medical Underwriting. This consists of thoroughly addressing questions about your health and medical history. You'll be required to fill out a comprehensive health questionnaire, which will include data about any pre-existing problems, and your doctor may be consulted for more information.

After evaluating all the information, it will be determined what you are and are not insured for. Pre-existing conditions, as well as any conditions connected to them, are typically excluded from coverage under full medical underwriting. This means you'll understand what ailments aren't covered when you acquire your insurance copy. Nonetheless, you may ask your insurer to reconsider the exclusion down the road, and at least you might be able to get coverage for a pre-existing illness through this means.


The most popular kind of medical underwriting for private health insurance is moratorium underwriting. You will not be required to file a Medical History Declaration if you pick this route, allowing you to expedite the execution of your coverage.

However, any pre-existing medical problems for which you sought counsel, got treatment, or experienced symptoms within the five years before the commencement of your insurance will be automatically excluded by the insurer. That being said, your insurer may renew coverage for one or more of these disorders if no treatment, symptoms, medication has been prescribed or taken in the two years following the commencement of your insurance. Conversely, you should not forgo receiving treatment for a specific disease in order to obtain health insurance for pre-existing conditions.

Any new conditions that arise or pre-existing conditions after the initial two-year term will be completely covered, just as with Full Medical Underwriting.

How can i get health insurance for pre-existing conditions?

Comparing health insurance premiums from a variety of providers is the greatest method to ensure you're receiving the correct coverage for your specific needs. With all the insurers we have partnered with, we are able to provide our clients with the greatest coverage at the cheapest price. Varied policies provide different advantages, particularly when it comes to pre-existing medical problems. Therefore, we can assist you in ensuring that the level of coverage you choose is appropriate for your requirements.

What pre-existing medical conditions can we offer private health insurance for?

If you have pre-existing medical conditions, you can still get private health insurance. Please bear in mind that most policies restrict when they can pay to treat pre-existing conditions.

The list of pre-existing conditions which can be covered includes:

  • Acne
  • Arthritis
  • Asthma
  • Carpal Tunnel Syndrome
  • Crohn's Disease
  • Diabetes
  • Eczema
  • Fibrocystic Breast Disease
  • Gastro-Oesophageal Reflux Disease
  • Cloucome
  • Hypertension
  • Psoriasis
  • Ulcerative Colitis
  • Varicose Veins

With General and Medical plans, these conditions are covered partially.

Where can i get health insurance for pre-existing conditions?

If you have a severe or recurrent medical condition that needs more regular treatment, the kind of plan you pick may be influenced by your needs. Healthplan specialists will assist you in identifying an insurance company that will provide coverage for a pre-existing ailment.

Staying with that same provider for a long time is the greatest method to ensure that you have protection for any medical issues that arise. Even if you have a severe or significant medical condition, insurance companies cannot refuse to renew your coverage if you have previously been approved into the plan.

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