No.
Just like the vast majority of international medical insurance policies, we do not cover pre-existing medical conditions and therefore will not cover the costs for anything which has already happened, and so will not cover the future costs for things which are already known at the time you first start your insurance.
A pre-existing medical condition is simply something which has already happened in the past. Some pre-existing conditions require ongoing treatment (with ongoing costs), other pre-existing conditions may flare up occasionally but be fine at other times, others may be some sort of permanent damage that was suffered in the past.
Note that this does not mean that we don’t cover people with pre-existing conditions – we do. We just don’t cover the cost of ongoing or future treatment for those specific pre-existing conditions. Any treatment for any new problem which happens in future is covered, and any ongoing or future treatment for any past problem is not covered.
Whether or not something is considered a pre-existing condition is usually straightforward – our underwriting medical insurance company has a legal right to view your medical records, and doctors are almost always able to figure out if you have had a certain type of operation before or not, because they know exactly what to look for.
In terms of the timing of any pre-existing medical condition, it is only the date that you first became insured which is relevant – not the annual renewal date of your cover. If you have had medical insurance with us for the last five years, your insurance start date is five years ago. For this reason, it is always a good idea to get medical insurance as soon as you can afford it. If you need to claim and there is any lack of clarity from your doctors about how long you have had the medical problem, if you have only been insured for one week, there is a much higher chance of it being considered pre-existing, compared to if you’ve been insured for a much longer time already.
If you have pre-existing medical conditions, we can still insure you against any other problems which may occur in future, but we cannot cover you for any pre-existing conditions you already have.