What counts as a pre-existing condition ?

Common examples

In the insurance world, a pre-existing condition is typically any illness, injury, or diagnosis you had before the start date of your coverage. This may include:

• Diabetes (Type 1 or 2)
  
• High blood pressure or hypertension
  
• Asthma or COPD
  
• Mental health disorders (like depression or anxiety)
  
• Chronic pain or autoimmune diseases
  
• Cancer history
  
• Past surgeries with ongoing treatment
  

Even relatively minor conditions—like recurring migraines or seasonal allergies—may be flagged in your application.

How insurers define “Pre-Existing”

Every insurer has its own definition, but most classify a condition as “pre-existing” if :

• You were diagnosed or treated for it in the past 2–5 years
  
• You showed symptoms, even if not formally diagnosed
  
• You took medications related to the condition
  

This is why it’s so important to read the policy language carefully and disclose your health history honestly.

How most international insurance plans handle them

Exclusions, waiting periods, and surcharges

Most international health insurance policies will not automatically cover pre-existing conditions—at least not without some conditions. Here’s how they typically handle it:

• Exclusion: The condition is completely excluded from coverage. Any care related to it is not reimbursed.
  
• Waiting Period: Coverage may begin after a set time (often 12–24 months), provided no complications have occurred.
  
• Premium Adjustment: Some insurers allow coverage with an additional surcharge based on risk assessment.

Differences between insurers and plan yypes

There’s no universal rule. Some insurers offer more flexible underwriting, especially on higher-tier or long-term expat plans. Others are stricter, particularly with budget or travel-style insurance. Always compare plans side by side—and ideally, work with a broker who knows the landscape.

When pre-existing conditions might be covered

Coverage with medical underwriting approval

Some plans use a process called medical underwriting, where you submit your health history, and the insurer evaluates it on a case-by-case basis. Based on this review, they might:

• Cover the condition in full
  
• Cover it with a waiting period
  
• Cover it with a surcharge
  
• Exclude it entirely
  

This process can work in your favor if your condition is well-managed or in remission.

Guaranteed-issue plans and group policies

In some cases, group plans or “guaranteed-issue” policies do not require medical underwriting. These are more common for:

• Corporate employees abroad
  
• International student groups
  
• Members of international organizations
  

If you’re eligible for a group plan, it may be the most reliable way to get coverage for pre-existing conditions without hassle.

ACA-Compliant plans in the United States

If you’re moving to the United States, you’re in luck: Affordable Care Act (ACA)-compliant plans cannot deny or exclude coverage for pre-existing conditions. But outside the U.S., international insurers are not bound by these regulations.

Tips for applying with a medical history

Be transparent on the application

It can be tempting to leave out details—but doing so may result in denied claims or canceled policies later. Always answer health questions honestly and completely.

Have recent medical records ready

Be prepared to provide:

• Recent lab results or scans
  
• A doctor’s letter confirming stability or treatment history
  
• A list of medications and dosages
  

Having this info upfront speeds up underwriting and helps avoid confusion.

Ask about waiting periods or premium adjustments

If your condition is borderline, ask your broker or insurer directly:

• “Will this be covered immediately?”
• “Is there a loading fee or exclusion?”
• “Can we revisit coverage after a year of stability?”

Knowing these answers before you buy helps you make the most informed decision.

What to do if you’re denied coverage

Look for partial coverage or exclusions

Even if full coverage is denied, the insurer may agree to partial coverage, such as covering medications but not hospital stays, or outpatient but not inpatient care.

Explore supplemental insurance or local options

You might consider:

• Local national insurance if you’re a resident
  
• Supplemental plans for specific conditions (e.g., diabetes support)
  
• Emergency-only international coverage, plus local treatment for routine care

Consult with a broker for alternative plans

International health insurance brokers like Agora Expat can access a wide range of insurers—some of which may be more flexible than others. If one says no, another may say yes.

How AgoraExpat can help you navigate coverage

Personalized plan search based on your condition

We know which insurers are most likely to cover your specific needs. Whether it’s asthma, post-op recovery, or ongoing therapy—we’ll guide you to plans that make sense for your profile.

Support with insurer communication and documents

Filling out medical questionnaires can be overwhelming. We help you prepare documentation, clarify confusing requests, and advocate with insurers on your behalf.

Ongoing advocacy for renewals and plan changes

If your situation changes—like moving to another country or gaining new residency status—we’ll help you adapt your coverage, file necessary updates, or explore better options over time.

Get covered with confidence — Even with pre-existing conditions

Managing a health condition shouldn’t stop you from living abroad. With the right plan—and the right partner—you can enjoy full peace of mind, wherever life takes you.

Contact an AgoraExpat expert today for a personalized assessment of your situation, and let us help you find the right internati