Existing Conditions Review
A route for people with a medical history — we look first, and tell you what is realistic.
In short
This is a service rather than a plan. If you have a medical history — something monitored, something treated, something you have been turned down for before — we look at your situation properly and tell you what cover is realistically available before you apply anywhere. Sometimes the answer is good news. Sometimes it is not, and you deserve to hear that honestly too.
Why this is a review and not a plan
If you have a medical history, the useful question is not which plan do I want. It is what is actually available to me — and that depends on your condition, when it was diagnosed, how it has behaved since, and how a particular plan assesses all of it.
Working through plan pages in that position wastes your time. The Existing Conditions Review inverts the order: we look at your situation first, then tell you what cover is realistically available and what it would look like.
How the review works
You tell us there is something to discuss. The quote form needs a flag, not a diagnosis.
We have a proper conversation. What the condition is, when it started, how it has been managed, what treatment you are on now.
We establish what is realistic. Which plans your situation fits, how your history is likely to be treated, and where the difficulties are.
We tell you what we find, including bad news. An honest no at the start is worth more than a hopeful application that ends the same way three weeks later.
If cover is available, we set it out in writing. What is covered, what is not, and what any exclusion means in practice. Final cover and terms are shown in the policy documentation.
What “pre-existing” actually catches
Broadly, a condition that existed before the policy began — diagnosed or not, treated or not. That is a wider net than most people assume. Symptoms mentioned to a doctor once. Something a scan picked up incidentally. A condition that resolved a decade ago and still sits in your notes.
None of that automatically means “not covered”. A history sets the terms on which cover is offered, and the range of possible outcomes is wider than the two people usually imagine. Pre-existing conditions explains how the assessment works and what each outcome means.
Two people, two entirely different questions
One was diagnosed with an autoimmune condition years ago, has been stable on the same medication ever since, and has never made a claim. The other had an unexplained scan result four months ago and is still being investigated. Both describe themselves on the phone as “someone with a pre-existing condition”. They are not asking the same question, and neither should be reading plan pages to find the answer. That is why the review comes first.
If you already hold a policy
Moving is a different exercise, and the risk runs the other way. Waiting periods already served, terms agreed when your history was shorter, continuity of cover — a new policy does not automatically inherit any of it, and someone with a medical history stands to lose more by moving than someone without one.
So the first question is not what a new policy costs, but what you would give up to get it. Continuous cover explains why continuity matters; switching health insurer in Spain sets out the practical side. Often the answer is to stay put, and we will say so even though it means we arrange nothing.
Where a review leads
Once we know where you stand, the plan conversation is short. A history that generates regular appointments points to Complete Health; an applicant later in life has joining ages and renewal terms to think about, which is Senior Health territory; a condition monitored abroad may need International Health. That conversation happens after the review, which is the point of doing it in this order.
What your personalised quote confirms
- Which plans are realistically open to you, given what you have told us
- How your history has been treated on each, in plain English rather than policy language
- Whether any part of it has been excluded, and precisely what that exclusion reaches
- Whether terms or price have been adjusted, and on what basis
- What you would keep, and what you would lose, by moving from a policy you already hold
- Where the honest answer is that cover is not available, and what is left to consider
Questions people ask about this plan
Will I be turned down?
Far less often than people expect. A history changes the terms of an offer much more frequently than it removes the option, and the review establishes which outcome applies to you before you make an application.
Do I have to send you my medical records?
Not to start. The website never collects medical detail; you simply flag that there is a history to discuss, and we tell you what is needed and why before you send anything.
I was declined by another insurer. Is that the end of it?
Not necessarily. One decision about one product at one moment is not a universal verdict, and a condition stable for several years is not assessed the way a recent diagnosis is.
Should I leave the condition off the form?
No, and there is no nuance here. An undisclosed condition puts the whole policy at risk rather than just the claim, exactly when you need it. Full disclosure is what makes cover reliable.
What does the review cost?
Nothing is being sold at this stage — the review establishes what is realistically available before any application is made. What you would pay, if you go ahead, is confirmed with your quotation.
Ask for an existing conditions review
Flag on the form that there is a health history to discuss. We never ask for medical detail through the website — that conversation happens properly, with a person, in English.