Learn About Existing Medical Conditions in the UK

Existing medical conditions refer to health issues that a person has previously been diagnosed with or currently manages.

Existing Medical Conditions FAQ

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What is a pre-existing medical condition?

A pre-existing medical condition refers to any illness or health problem that you’ve been diagnosed with, treated for, or shown symptoms of before starting a new health insurance policy.

Can I get health insurance with a pre-existing medical condition?

You can still get health insurance with a pre-existing medical condition; you just won't be able to get coverage for that particular health problem. Health insurance is designed to help you with acute illness or injury that arises unexpectedly.

Why does my health insurance not cover a pre-existing condition?

Here's why your health insurance might not cover a pre-existing condition. If you’ve had a health problem in the past, it might not be covered by your health insurance, because this is normally meant for new or unexpected medical issues. What’s a pre-existing condition? A pre-existing condition is a medical issue you’ve experienced in the past.

Are long-term illnesses a pre-existing medical condition?

Long-term illnesses affect around 15 million people in the UK. When it comes to private medical insurance (PMI), many of these will also be considered a pre-existing medical condition, which could impact the cover you get; here’s how it could affect your policy and your options. What is a pre-existing medical condition?

What counts as a pre-existing medical condition?

In the world of insurance, a pre-existing medical condition refers to any personal illness or health issue that you're already aware of before purchasing an insurance policy. It's essential to know what qualifies as a pre-existing condition because it can impact your coverage and claims.

What are examples of pre-existing medical conditions?

Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition. We get complaints from customers who say their insurance company won’t accept their claim because it’s linked to a pre-existing medical condition. Some insurance policies are individually underwritten.