Choose pre-existing cover
Plans without pre-existing cover do not pay for emergencies caused by the condition. Plans with it can, if the condition is stable.
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Plans that cover stable pre-existing conditions can include diabetes, heart conditions and high blood pressure. The key is stability, and knowing exactly what to tell the insurer.
Plans without pre-existing cover do not pay for emergencies caused by the condition. Plans with it can, if the condition is stable.
The condition must be unchanged for the period in the policy, for example 90 or 180 days before the start date. It can depend on age.
Missing or wrong answers to the health questions can lead to a denied claim or a cancelled policy.
Pick a condition to see common changes that can make it unstable, and what to have ready before you buy. The exact rules are in each plan’s policy wording.
Type 1 or type 2 diabetes managed with diet, tablets or insulin.
Having these at hand makes the health questions quick and accurate. Tap each one when it is done.
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Start with the medication list.
A simple way to picture it. Your plan’s policy wording sets the exact terms.
Quick answers below. For anything about your own family, talk to an advisor.
Yes. Plans with pre-existing cover can include diabetes if it has been stable for the plan’s required period. Plans without that cover are also available, but they do not pay for emergencies caused by the diabetes.
Yes. A change in medication or dose usually counts as a change in the condition and can restart the stability period. Check the plan’s definition of stable.
It depends on how long ago it was, what has changed since and each plan’s rules. Answer the health questions fully, and speak with an advisor to compare suitable plans.
Yes, if it existed before the policy start date. When well controlled with no recent changes, it can often be covered under a plan with pre-existing cover.
Super Visa insurance is emergency medical insurance. What it pays for is set out in the policy wording, so check the benefits section for your plan.
Compare plans that cover stable pre-existing conditions, and let an advisor help with the health questions.
General information only, not advice for your situation. Coverage, definitions and refunds depend on each insurer’s policy wording, which always decides. Visitor Guard is a broker; insurers review and pay claims and refunds.