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Do I need to wait to be covered?

28th Oct 2011

YOURLifeChoices subscriber Paul is keen to take out health insurance but has a pre-existing medical complaint for which he is worried he may not be covered. He would like to know if he needs to serve a waiting period even if he now believes this ailment has been treated.

Q. Paul
I have been treated for what will now always be considered a pre-existing medical condition. I feel fine and no longer suffer from the illness but I’m concerned this will exclude me from getting health insurance. Will I have problems?

A. If you were ill before taking out health insurance, you will have to serve a waiting period before you can receive any cover for this illness. However, it shouldn’t exclude you from being covered for other hea







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