A pre-existing condition means any disease, illness or injury for which have had received medication,     advice or treatment, you are still currently taking medication, or which you have experienced symptoms, whether the condition has been diagnosed or not, at any time before the date on which your medical Insurance policy starts

It is the discretion of the Insurance company, whether your pre-existing Medical Conditions will be accepted or not, which had been declared on your new application form. Should you switch insurers, it is most likely that new insurance company may exclude any conditions you have had treated whilst with the previous insurer.

On occasions, the Underwriters of the various Insurance companies may issue either a partial (Moratorium) exclusion/s, total exclusion/s or, propose an additional premium to waive exclusion/s.

NB: All new applications need to declare their pre-existing conditions.