In some countries, it is mandatory to have health insurance, at least with minimum essential coverage. When shopping for health insurance, and considering incentives like skipping eternal waiting lists, or being assisted by qualified professionals, we also have to check the criteria we are requested to meet in order to be insured. That is, those requirements our insurance company may expect from us.
So what if we suffer an illness before we hire the insurance? Will the insurance company reject us? Procedures are usually very simple as no medical tests are normally required; at least, as long as the person applying for cover is under a certain age, for example, 60 years old.
One only would need to complete a Proposal Form, in which they would have to declare their conditions by answering questions like if they ever had surgery or if they ever had any broken bone. Some of the coverages accept by all means those illnesses which are not serious or in danger of death or serious lesions. But it does not mean we are not allowed to have health insurance if we do suffer from a chronical illness or if we need hospitalization regularly. Only, our health insurance will be different, in order to meet our health requests.
Those illnesses we may already suffer or have are called our pre-existing conditions. They are defined as those conditions the insured already had before taking out the policy, and which they should have informed the insurer of. This is also valid for the beneficiaries, and includes any medical condition or symptoms whether they were being treated or not; any previous medical condition which recurs or which the insured and his beneficiaries should have reasonably known about.
Insurance companies must know about all pre-existing conditions when hiring the policy, for they may cancel if they were not told at the right moment. This is not the case, however, if we prove that we have not consulted any doctor for medical treatment or advice (including check-ups). Once they know, insurers will try to adapt their services in order to cover our conditions and offer the best service.