We know it can be difficult to obtain international health insurance when you have a pre-existing condition.
Allianz Care pre-existing medical conditions.
What is a pre-existing medical condition?
A pre-existing condition is a medical condition or any related issue for which one or more symptoms have been displayed at some point during your lifetime, irrespective of whether any medical treatment or advice was sought. They can vary from conditions you may have been born with to those that have developed over time.
Being an expat away from home is difficult enough without having to worry about your healthcare. Fortunately, we have an extensive range of products available to suit your needs.
Will a pre-existing medical condition impact my international health insurance premium?
This really does depend on your personal situation. Our individual expat health insurance products are subject to full medical underwriting of any pre-existing conditions. This means your pre-existing medical history is evaluated in terms of future medical requirements and possible claims.
As an insurer, we try to offer you the best terms possible and ensure that you are protected.*
Do you offer international health insurance to expats with pre-existing conditions?
We underwrite all pre-existing conditions, offering an even more comprehensive level of cover protection to individuals and employees of small underwritten groups.
What if I have a pre-existing condition but I am joining a group international health insurance scheme?
Most of our group expat health insurance schemes are 'medical history disregarded', which means it doesn't matter if you have a pre-existing condition, you'll still be covered as part of the group contract.
If you have a pre-existing condition, contact us to discuss your options.
*Please note an offer of terms may refer to standard rates or special conditions.