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A pre-existing condition is a medical issue you've experienced in the past. This includes chronic conditions like diabetes or asthma, and one-off symptoms like knee pain.
Aviva has appointed Robert Morrison as chief underwriter. He joins Aviva after seven years at IFA protection specialist Bright Grey, where he was head of underwriting and claims. Before that he spent nine years with Abbey National Life. Aviva has appointed Robert Morrison as chief underwriter.
A medical illness or injury that you have before you start a new health care plan may be considered a pre-existing condition. Conditions like diabetes, chronic obstructive pulmonary disease (COPD), cancer, and sleep apnea, may be examples of pre-existing health conditions.
Can I get health insurance with a pre-existing condition? The simple answer is yes, you can get a health insurance policy even if you have had sought treatment or advice for a pre-existing medical condition in the past.
A pre-existing condition is a medical issue you've experienced in the past. This includes chronic conditions like diabetes or asthma, and one-off symptoms like knee pain.
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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.
If you have a 2 year rolling moratorium it means that although pre-existing conditions would be excluded from the plan at the point of application, your insurer may allow you to include them in your plan at a later date.
It is an alternative to full medical underwriting, where some pre-existing conditions are excluded permanently. A moratorium takes the recurrence of an illness into account, allowing for more flexibility in the coverage.

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