Health insurance - but pre-existing condition

dkwywbicgia

Thinking of starting a new personal health insurance policy, but aware these guys will all likely do anything they can to avoid authorising claims in the future. 

Obviously pre-existing conditions are not covered, and I was diagnosed by my doc last year with diastolic hypertension (high blood pressure). It was only marginally high, and is controlled with meds.  

But, I wonder whether any health insurance provider will point to this and refuse to authorise any heart-related claim in the future. 

Anyone with any knowledge of experience with an example like this?

DullGreyGuy

I know when I spoke to Bupa many years ago they stated that as long blood pressure had been stable and well controlled for 2 years (even if with medication) then it wouldn't be an excluded condition and therefore no related conditions would be excluded

Obviously in general all chronic conditions are excluded to a sense but acute issues from chronic conditions arent.

TELLIT01

Don't assume that all policies will not cover pre-existing conditions.  Some sites may even have a list of conditions which won't affect acceptance.

dkwywbicgia

Thanks for the above info.

This was Axa Health response to my specific question:

We wouldn't cover HBP itself as this is a pre-existing condition but if you developed any issues with the heart after inception then this is something we could consider for coverage as we would look to cover any new eligible heart condition.