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Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

Moratorium underwriting If you or anyone else to be covered has had a medical condition before your policy starts, we may be able to cover this, so long as you've not had any symptoms, received any treatment or sought medical advice about the condition for two consecutive years after you've taken out the policy.

What are pre-existing medical conditions? A pre-existing medical condition (PEMC) is an illness or injury you had before your policy began or was renewed. Examples of pre-existing medical conditions include, diabetes, asthma, high cholesterol or a long-term back condition.

What is the Waiting Period for Pre-Existing Conditions? Under the Private Health Insurance Act 2007, a health insurer may impose a 12 month waiting period on benefits for hospital treatment for pre-existing conditions.

Many patients opt for private treatment because they want to choose a particular consultant. If that consultant is not within the fee assured scheme, the shortfall needs to be met out of the patient's own funds.

Are my clients covered for pre-existing conditions? Health insurance doesn't generally cover pre-existing conditions. If they've never had health insurance, we'll need to base our decision on the cover we can offer your clients on their past seven years' medical history.

Simply put, the Waiver of Pre-Existing Medical Conditions covers, or “waives” the companies right to exclude pre-existing medical conditions from their policy. It's a feature only available with certain comprehensive package plans that include trip cancellation/trip interruption.