How to Get Health Insurance with a Pre-Existing Condition

Private Healthcare Advice

Private Medical Insurance can be confusing – especially when it comes to decoding provider terms and conditions surrounding chronic and pre-existing medical conditions. Here at Forces Health, we’re experts when it comes to finding policies which match our customer’s needs, and – we do it for free.

To help, we’ve put together this #blog which explains everything you need to know about finding the right Private Medical Insurance and how it works with pre-existing health conditions.


What is a pre-existing condition?

A pre-existing medical condition is an illness, disease or injury which falls into one of the following categories:

  • You have received treatment, medication or advice on it – in the last 5 years
  • You have experienced symptoms, which may not have been diagnosed, in the previous 5 years


What is a chronic condition?

A chronic medical condition is a disease, illness or injury which falls into one or more of the following categories:

  • It requires long-term treatment, to manage symptoms
  • It requires rehabilitation or care training
  • It has no known cure
  • It comes back or is likely to come back
  • It means you require ongoing or long-term monitoring and care (i.e. consultations, examinations, check-ups).


Most chronic medical conditions are not covered by health insurance providers.

Health Insurance advice

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

Health insurance is to provide peace of mind and cover when unforeseen medical conditions happen – after the start of a policy.

It is not to cover pre-existing or chronic conditions. If you want health insurance to cover unforeseen medical conditions, you have 2 options:

Full medical underwriting

Full medical underwriting (FMU) is when you provide a health insurance provider with your entire medical history – in detail. You will often have to complete a questionnaire and can even be asked to grant a provider with access to your medical records.

They will use this information to confirm with you if they can or cannot cover any existing medical conditions. Any exclusions or ‘special conditions’ will normally be confirmed in writing on your insurance certificate. This means you will know exactly what is covered from the outset.

Moratorium underwriting

This means you will not be asked to provide medical history to start a policy or coverage. Instead, if you make a claim, an insurer will then ask to look at your medical history and will use this to decide if they will pay for your treatment.

If your policy does not include pre-existing conditions and you try to claim for this type of treatment, your insurer has the right to reject your claim.




Happy Private Healthcare


We’ll help you find Private Medical Insurance cover

Here at Forces Health we’re here to help. Speak to one our advisers and get a no obligation quote – Click here to get your own quotation.

If you feel you could benefit from Private Medical Insurance or would like to find out more about the costs involved, please contact us

Forces Health

Call us on

Call one of our dedicated team to find out more or to simply arrange cover.