freephone 0800 862 0373
Sign in to view your quotes
Email address:
Password or PIN:

Forgotten your password? Reset it here.

Chronic Conditions

Health insurance customers are often unsure of what private medical insurers classify as a chronic condition, and also of whether chronic conditions will be covered on their policy. ActiveQuote has provided a comprehensive guide to chronic conditions to clear up some of the common misconceptions surrounding this topic.

What is a chronic condition?

A chronic condition is any condition that falls under the following categories:

  • The condition needs ongoing or long-term monitoring though examinations, consultations, check-ups and/ or tests
  • The condition needs ongoing or long-term control or relief of symptoms
  • The condition requires your rehabilitation or for you to be trained to cope with it
  • The condition continues indefinitely
  • The condition has no known cure
  • The condition comes back or is likely to come back

How will insurers deal with a chronic condition?

If you have already sought medical advice for your chronic condition, it will be dealt with as a pre-existing condition. This means:

  • Policies with full medical underwriting will probably apply a specific exclusion for that condition.
  • Moratorium policies will only cover a pre-existing condition if the patient has gone treatment and advice free for two years. It is unlikely that this will apply to a person with a chronic condition.

If the chronic condition develops after the start of the policy, cover will be provided to stabilise the condition. This means:

  • Your insurer will pay for any treatment to stabilise the condition.
  • If a condition is declared chronic, no further cover will be available for the ongoing management of the condition.
  • However, if there is a sudden deterioration of the condition (an acute flare-up), the policy will cover its stabilisation.

Can you give me an example?

Susan had been with her current insurer for over two years, when she begins to have problems with her breathing. She visits her GP, who refers her to a specialist. After a number of tests, Susan is diagnosed with asthma. Her insurer will pay for the cost of the initial consultation, as well as the diagnostic tests.

Susan is given a course of medication to control the condition, and the specialist recommends that she has a follow-up consultation a few months later. Her insurer will cover the cost of the follow-up consultation as it was part of the initial treatment. However, her insurer will not pay for her medication since it forms part of the ongoing management of her condition.

Susan needs check-ups every 6 months. These would also not be covered by her insurer, as they are part of the ongoing management of her condition.

A year later and Susan has a bad asthma attack. This would be considered an acute flare-up, and her insurer will pay for the stabilisation of the condition. Once the asthma has stabilised, the insurer will no longer cover her regular check-ups or medication.

Please note that for all policies, there may be limitations in the amount the insurer will pay for certain treatments.

If you need more help and advice about chronic conditions, compare health insurance quotes online now, or call one of our advisors for free on 0800 862 0373.

Chronic Conditions Medical Cover | Health Insurance | ActiveQuoteOur guide to chronic conditions and medical insurance will help you find the best health insurance plan with the right level of cover. Compare quotes and buy online.    tweet it on twittershare with your friends on Facebookshare with your friends on MySpaceBlog it on your LinkedIn profile

No.1 health insurance broker as rated by customers

Very helpful and polite and always try their best to obtain the best quotes. Have been using them for the last 3 years and will continue to use them in the future.

Review centre member

A great service from the initial call, to finalising the agreement. I would highly recommend to my family and friends.

Review centre member

Proactive, efficient, and offered me insurance I need. I would say half price I would end up paying if I did it by myself. Many thanks.

Review centre member

Excellent service. Explained everything in detail and really helped to find the right insurance best suited to my needs - which wasn't necessarily the most expensive. 

Review centre member

Good value and the advisor was very helpful and recommended the best policy for my grandson. I would definitely use this service again and recommend to others.

Review centre member

We were contacted in good time to make a knowledgable choice. We were given plenty of options with lots of information to enable us to make the right choice.

Review centre member

The service I received was excellent, the staff member was very efficient and knowledgable. She went out of her way to get the best policy for me.

Review centre member

Great service. I really appreciated the help provided by Active Quote to arrange health insurance. The agent was very informative and proactive. Many thanks!

Review centre member

I received excellent care and attention from the first phone call till the last. Friendly, efficient and patient.

Review centre member

Staff are very helpful, friendly and polite. They call back when they say they will and keep you up to date with progress. Pleasure to deal with.

Review centre member

Sign up to special offers

Sign-up for our FREE email newsletter to receive the latest offers tailored to your needs:

Please be patient whilst we refine your quotes.

taking too long?
This site is operated by Insurance Broker ActiveQuote Ltd registered in England & Wales company number 6765845.
Authorised and Regulated by the Financial Conduct Authority (FCA). Firm reference number 501109 as detailed on the Financial Services Register. Please read our Key Facts document.
For information about your rights as a consumer visit Citizens Advice.

Our insurance comparison service is free and easy for you to use, but you are responsible for making sure all your information is entered correctly, and for choosing your insurer.

This site uses cookies in order to work correctly - these are not harmful and do not contain personal information. By using this site you consent to this. I understand  Tell me more

please wait ...