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99% of medical (or hospitalization and surgical – H&S) insurance provides coverage with an exclusion for pre-existing conditions unless the condition was declared and accepted by the insurer. Of course, if you knew of a condition and didn’t declare it, it will still be excluded. Without this exclusion clause in place, people can simply wait until they develop a medical condition before they take up cover for themselves.

pre-existing conditionsBecause of this clause, it is usually not advisable to switch and hop around where health insurance is concerned. You wouldn’t really know what pre-existing conditions you might have and the claims process might be more troublesome if there is really a pre-existing conditions.

However, the term pre-existing is somewhat ambiguous and we would need to refer to the actual policy wording to see what it means.

Aviva recently improved their definition for pre-existing conditions: Read more…