Can you get private health insurance with a pre-existing condition UK? (2023)

Can I get private health care for pre-existing conditions UK?

You can still get health insurance cover if you have pre-existing medical conditions, but it is unlikely your policy will provide cover for them. The type of underwriting of your health plan determines whether your pre-existing conditions will be covered in the future.

The simple answer is yes, you can get a health insurance policy even if you have had sought medication, treatment or advice for a pre-existing medical condition in the past. Below is a list of common questions we see relating to pre-existing medical conditions and health insurance.

We usually don't cover you (or any family members on your policy) for conditions that existed before you take out insurance with us. With Moratorium you will not be covered for any pre-existing medical conditions until two years have passed without any incident for each condition.

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

Yes. Under the Affordable Care Act, health insurance companies can't refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.

A pre-existing condition is a medical issue you've experienced in the past. This includes chronic conditions like diabetes or asthma, and one-off symptoms like knee pain.

Conditions for Exclusion

HIPAA did allow insurers to refuse to cover pre-existing medical conditions for up to the first 12 months after enrollment, or 18 months in the case of late enrollment.

A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.

What happens if I don't disclose pre existing diseases? Non-disclosure of the pre existing disease can result in denial at the time of renewal of the policy or dishonoring of claims if made for such diseases.

Full medical underwriting – we ask you for any pre-existing conditions before you join and we then work out what you will be covered for or not (this will be shown on your membership certificate)

How do insurance companies find out about pre-existing conditions?

How do insurance companies know if you have a pre-existing condition? Life insurance applications ask questions about your health, and the process typically requires you to give the insurer permission to access any medical records needed to validate your information.

Medical Check-up:

In case you have a pre-existing disease, the insurance company might ask you to go for a medical check-up. The insurance premium will be based on the test results. There is a chance that the insurance company might refuse to offer a policy if the results are unfavourable.

Aggravation of a preexisting injury or aggravation of a preexisting condition is the degree that a preexisting injury or condition that a plaintiff had prior to an incident that forms the basis of a negligence lawsuit was made worse by the incident that forms the basis of the negligence lawsuit.

You'll need to declare all pre-existing medical conditions when taking out travel insurance. Not telling us about your medical conditions means you are at risk of travelling without valid cover and any potential claim being declined.

A 12/12 pre-existing condition means that if you have a claim in the first twelve months, the insurance company will look back 12 months before you started the policy to see if you had a pre-existing condition that might have caused it.

You don't need to have had a diagnosis for your symptoms to be considered pre-existing by your insurer.

The health insurance company may refuse to cover you in respect of pre-existing conditions for longer periods after you join.

A pre-existing condition exclusion can not be longer than 12 months from your enrollment date (18 months for a late enrollee). A pre-existing condition exclusion that is applied to you must be reduced by the prior creditable coverage you have that was not interrupted by a significant break in coverage.

How much is private health care per month UK?

According to our research, the average cost of an individual private health insurance plan sits at around £85 per month or £1,020 per year! However, just like any type of insurance, the cost of private health insurance can vary significantly depending on your circumstances.

Most often, a pre-existing condition refers to chronic or long-term conditions such as arthritis or chronic back pain. However, even minor injuries, such as a sprain or broken bone, are considered a pre-existing condition if the injury becomes worse after an accident.

Pre-existing conditions can include serious illnesses, such as cancer. It can also include less serious conditions, such as a broken leg, and in some cases, even prescription drugs can count as a pre-existing condition.

They're the same thing.

Coverage for pre-existing conditions

No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started. Once you're enrolled, the plan can't deny you coverage or raise your rates based only on your health.

2. Aditya Birla Activ Health Platinum Enhanced Plan. This health plan by Aditya Birla General Insurance Company offers day 1 coverage for pre-existing chronic illnesses like asthma, diabetes, high blood pressure and high cholesterol. It is available for a sum insured ranging from Rs 2 lakh to Rs 2 crore.

Pre-Existing Diseases (PED) Waiting Period

Generally, the waiting period for pre-existing disease in health insurance plans is 1-4 years. However, the pre-existing disease waiting period varies with the health condition of the insured as well as the health insurance plan they choose.

A pre-existing condition exclusion can not be longer than 12 months from your enrollment date (18 months for a late enrollee). A pre-existing condition exclusion that is applied to you must be reduced by the prior creditable coverage you have that was not interrupted by a significant break in coverage.