Health insurance for pre-existing conditions

Source: Pexels

If you are a UK resident, obtaining health insurance for pre-existing conditions can be a challenge, because it is difficult to obtain health insurance coverage for certain diseases, or you may be required to pay higher premiums. This article explores the options available for health insurance in the UK.

What is a pre-existing health condition?

To find out whether you qualify for insurance, you should be aware of what is considered a preliminary health condition. This is any illness or problem that you have been diagnosed with or have received treatment for before applying for insurance. 

Examples of such health issues can include, but are not limited to:

  • Diabetes
  • High blood pressure
  • Asthma
  • Cancer
  • Heart diseases
  • Mental health conditions, such as depression or anxiety
  • Chronic pain conditions, such as arthritis or fibromyalgia
  • Allergies
  • Sleep disorders, for instance, sleep apnea

Please, note that each insurance company may have their own specific list of conditions that they cover or exclude, and the criteria for coverage may vary based on the severity of the condition and the individual’s medical history. It’s always best to check with the insurance provider directly to understand their specific policies towards health issues. If you cannot find a suitable plan, opt for health care insurance broker Premier PMI – it allows comparing quotes from leading insurers and quickly finding the most suitable option.

How to get insurance for pre-existing conditions?

The first option is to enroll in a group insurance plan. Group insurance plans are offered by employers, trade unions, and other organizations. These plans are designed to provide coverage for a group of people, which can help you lower the cost of insurance. However, not all group insurance plans are intended to treat preliminary conditions, so make sure to check their policies before enrolling.

An alternative option for obtaining such a specific health insurance is to purchase an individual insurance policy. They are designed to provide coverage for a certain person rather than a group. However, individual policies can be more expensive, and may require a waiting period before coverage begins.

Which conditions may not be covered by insurance? 

Source: Pexels

Special policies, such as travel insurance or critical illness insurance, may have exclusions or limitations on coverage for certain pre-existing conditions – it mostly depends on the insurance provider and the plan. 

Here are some examples:

1. Terminal illnesses. They may not be redarded as preliminary conditions at all.

2. Mental health problems, such as depression or anxiety, may be excluded from coverage or subject to limitations.

3. Pregnancy. Some insurance policies may exclude coverage for complications related to pregnancy or childbirth.

4. Chronic conditions that require ongoing treatment or medication may be subject to exclusions or limitations.

5. Pre-existing injuries, such as a broken bone that has not fully healed, are not usually covered by insurance.

6. Substance abuse (alcohol, drugs, medications). Insurance policies may exclude coverage for pre-existing substance abuse disorders or related conditions.

It’s highly recommended to carefully review the policy and ask questions to understand the specific exclusions and limitations for health issues. Dedicate your time to comparing policies from multiple providers to find the best coverage for your individual needs. 

Does the NHS cover pre-existing conditions?

It is also important to note that the UK government offers free healthcare through the National Health Service (NHS). While the NHS does not offer private insurance, it does provide free healthcare to all UK residents, regardless of severity of health problems. However, there may be wait times for certain treatments and procedures.

Therefore, there is no need for NHS insurance to cover pre-existing conditions, as all eligible individuals have access to free healthcare services no matter what their medical history records are. What if you don’t have your condition covered by the NHS? You may need specific treatment, so it is crucial to research and compare policies to find the option that meets your individual needs.

Travel insurance as an alternative 

In addition, the UK government has implemented the “Pre-Existing Medical Conditions Travel Insurance” initiative, which requires insurance companies to insure people with pre-existing medical conditions. This policy can be used both within the UK and abroad. It typically covers emergencies, medical treatment, and repatriation if necessary. This initiative ensures that patients with preliminary health issues have access to travel insurance, which can be difficult to obtain otherwise.

Wrapping up

Obtaining health insurance for preliminary health problems in the UK can be challenging, but there are options available. Group insurance plans, individual insurance policies, and government initiatives such as the “Pre-Existing Medical Conditions Travel Insurance” can provide coverage for patients. It is important to research and compare policies to find the best option for your needs.


TBN Editor

Time Business News Editor Team