What Conditions Are Excluded From Private Health Insurance?

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If your eyes were drawn to this article then it is possible you have concerns as to whether or not a historic or existing medical condition will impair your ability to take out private health insurance. Perhaps you are wondering if it’s even possible to take out a policy at all if you have existing health issues, or if it is possible then what, specifically, are the conditions that would exclude you from beginning a private health policy?

If you do have a health condition that is deemed serious it may be that you are still eligible to take out a health insurance policy. Depending on the individual circumstances you might be able to take out a policy, although there might be limitations and restrictions placed on treatment for pre-existing conditions. In some cases these conditions could lead to exclusions on the policy. A common protocol is for the specified condition to be excluded for the first two years of the insurance; then if there is no repeat of the condition in that time the insurance policy can be reset.

A pre-existing condition is classified as anything that has affected your health – past or present – at the time the policy is taken out. It is a rule of thumb that certain more serious health conditions, such as diabetes and heart disease, are classified as pre-existing conditions. Cancer may be excluded altogether, or have stricter limitations; depending on the severity and type of cancer. It is possible that a condition stemming from substance abuse would be excluded, and in some instances certain types of sexually-transmitted diseases would also mean exclusions or limitations. Some policies may impose restrictions on health problems arising from a suicide attempt.

Other exclusions may include aging processes, e.g. puberty and the menopause. Existing fertility issues are unlikely to be covered by your insurance plan. It can be the case that some policies might exclude, or limit treatment for, conditions such as hay fever, high cholesterol or severe asthma.

If any of these health complaints apply to you don’t despair or count out the possibility of private healthcare; a policy could be tailored for you to meet your individual needs and budget.

Our advisors can explain all the options clearly and point out any exclusions that may be applicable to your particular circumstances.

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