Pre-existing conditions and medical underwriting

Read the time periods and definitions carefully. Provide complete, accurate answers through the approved secure application channel. If you do not understand a question, ask the insurer for clarification rather than assuming a symptom is too minor to mention. This site's WhatsApp request is not a medical declaration.

Full medical underwriting assesses declared history before acceptance. A moratorium may exclude certain previous conditions until specific symptom- and treatment-free requirements are met. Medical-history-disregarded cover, where genuinely offered, has its own eligibility and group terms. These approaches are not interchangeable and are not available on every product.

An insurer may offer standard terms, exclusions, additional premium, a benefit restriction, postponement or a decline. Ask whether an exclusion is permanent, reviewable, or extends to related conditions. Do not interpret an accepted application as acceptance of every condition.

A new insurer may assess your current history again, even if the previous policy paid for it. Continuity arrangements must be confirmed explicitly. Waiting periods and exclusions can change on a switch or an upgrade; do not cancel existing cover until the new terms and start date are accepted.

Retain the application, disclosures, underwriting decision and final schedule. If information changes before the start date, ask whether it must be reported. For treatment, verify eligibility and authorization separately: neither a quotation nor a membership card guarantees payment.