About us
Pre-Existing Conditions Coverage for Expats
Get the long-term care you need—with full transparency and support.
Managing a health condition while living abroad comes with added complexity. Whether you’ve been diagnosed with diabetes, hypertension, asthma, or another chronic illness, it’s essential to understand how your health insurance treats pre-existing conditions.
At InterExpat, we help expatriates find international health insurance plans that offer clear, realistic coverage options for pre-existing conditions—so you can move with confidence, not uncertainty.
Expert Advice for Your Health Insurance Journey
Finding the right health insurance can be overwhelming. Let our licensed advisors guide you through the process with unbiased advice. We partner with multiple top-tier insurers to give you more choice and the best coverage suited to your needs.
What Are Pre-Existing Conditions?
A pre-existing condition is any illness, injury, or medical issue that existed (or showed symptoms) before the start date of your insurance policy. This can include:
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Chronic conditions (e.g., diabetes, epilepsy, high blood pressure)
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Past surgeries or hospitalisations
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Ongoing treatments (e.g., mental health support, joint pain, skin conditions)
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Conditions under investigation at the time of application
Each insurer has its own definition, but most assess these conditions during the underwriting process.
How Coverage Works for Expats
International insurers such as April International, Now Health, and Allianz typically offer three main approaches:
✅ Full coverage with loading: The condition is covered, but with a higher premium
✅ Coverage with waiting period: The condition is covered only after a set time (e.g., 24 months)
❌ Permanent exclusion: The condition is not covered at all under the policy
We guide you through the application, advising on which insurer is most likely to cover your specific condition—and under what terms.
Key Questions to Ask
Before enrolling in a plan, be sure to ask:
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Will my condition be covered or excluded after underwriting?
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If covered, is there a co-pay or higher premium (loading)?
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Can I submit medical reports to support my case?
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If excluded, will I have the chance to appeal or review it later?
Knowing the answers in advance avoids claim surprises later.
Move Forward With Confidence
Pre-existing conditions shouldn’t stop you from living abroad. Let’s find the right coverage that protects your health—honestly, and without guesswork.
