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Pre - Existing Medical Condition

Pre - Existing

A Pre-existing condition depends on your health condition means the critical illness, injury, symptom(s) that exists before and after effective date of insurance. Sometimes a healthy applicant can be deemed to have a pre-existing condition based on a past health problem or evidence of treatment for a particular condition.

If at the time of application you are taking medication of HBP (High blood pressure), Heart Condition, Lung Condition, Diabetes etc, you are automatically in pre-existing condition.

Under 60 years of age Pre-existing condition automatically covered for illness related conditions as long as they have been STABLE in the 180 days before the policy starts.

Between the ages of 60 and 85 you need to eligible to buy our Stable Chronic Condition Option to cover pre-existing conditions. If you are ineligible to buy SCC option, you will pay a lower premium but will NOT be covered for any pre-existing conditions.

And if you are above than Age 86 pre-existing conditions are not covered.

This insurance has exclusions and limitations. If you are buying this insurance policy, you need to understand your entire policy with what is probably the most important exclusion in any Visitor to Canada policy. All policies use their own definition of stable and other terms that affect coverage.

Many Visitors to Canada Medical insurance plan covers for emergency medical expenses relating to pre-existing medical conditions, which have been STABLE in 120 -180 days (depending on the plan) prior to the effective date of the policy.

Stable Medical Condition

STABLE pre-existing conditions is slightly different with different plans, it means:

  • You have not had any new symptoms, and existing symptoms have not become more frequent or severe, no test results showing deterioration; and/or
  • your physician has not determined that the condition has become worse; and/or
  • you have not been hospitalized or referred to a specialty clinic or specialist.
  • you have not advised to see your specialist or further test.

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