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 from an illness before we buy the insurance? Will the insurance company reject us? The joining process is usually very simple as no medical tests are normally required following the completion of the proposal form; as long as the person applying for cover is under a certain age, for example, 65 years old.
On Proposal Forms, clients have to declare their conditions by answering questions like if they ever had surgery or if they ever had any broken bone. Pre-existing medical conditions will be excluded from the cover. This does not mean that we are not allowed to have health insurance if we suffer from a chronic medical condition or if we need hospitalization regularly. Only, our health insurance will be different, in order to fit our state of health.