Their situation
Pre-existing conditions
You already manage something. In insurance terms that is usually called a pre-existing condition, and how it is treated differs a great deal by insurer and by how it is disclosed.
Some conditions are loaded, some are excluded for a period, and some are covered outright depending on severity and how long they have been stable. The honest answer is that it depends on the specific condition, which is why this is a conversation rather than a form.
Three things to consider
- Full medical underwriting
- You disclose everything upfront and the insurer decides case by case, sometimes covering the condition outright and sometimes with a loading.
- Moratorium underwriting
- No forms to fill in, but anything treated in a set number of years before the policy starts stays excluded until you go a set number of years claim-free.
- Standard exclusion
- Some insurers exclude the specific condition by name and cover everything else as normal.
What we do
- Talk it through before anything is submitted, so you know which underwriting route suits your situation.
- Help you disclose it properly, because an incomplete disclosure is what causes a claim to fail years later.
- Tell you plainly if moving would cost you more in lost history than it saves in premium.