What if I have a pre-existing condition?

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Pre-existing conditions are health problems that exist at the time you apply for insurance.

Most insurers treat these in one of three ways:

• By excluding your pre-existing condition from your insurance cover, or
• By charging a higher premium to cover your pre-existing condition, or
• By covering your pre-existing condition only after your policy has been running for a set time.

That is why it is important to take out cover before you develop any medical condition that is likely to be excluded from cover.

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Common Pre-existing Conditions that may be covered.

There are a number of pre-existing conditions that may be covered by some insurers after meeting certain criteria. These are some of the conditions and you should contact us for further information on many others.

• Endometriosis
• Crohn’s Disease
• IBS
• Varicose Veins
• Weight Loss Surgery
• Breast Reduction Surgery
• Sterilisation

Looking for Medical Insurance New Zealand then contact us today