As specialists in pre-existing conditions insurance, we are often asked at the application stage if a certain illness is classed as a pre-existing medical condition, and will therefore impact your policy.
A pre-existing condition is when you have, or have had, symptoms, medication, advice, treatment or diagnostic tests for a disease, illness or injury before taking out a life insurance policy.
Different insurance providers have their own definitions when it comes to pre-existing conditions, however, they usually include conditions such as
Insurance providers will also take into consideration the severity of the condition.
Pre-existing conditions are just one of many factors that insurers consider when you apply for cover. Other things, like your:
- Job
- Smoker status
- Age
- How much cover you need
There allso play a part, so we take every case on an individual basis as the costs can vary.