What is a Pre-existing medical ailment?
In simple terms, a pre-existing medical condition is a condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Insurance providers use a "look back" period to determine if a condition will be considered pre-existing or not.
Fixed benefit visitor insurance plans tend to have shorter look back period of between Three to Six months. Comprehensive visitor insurance plans tend to have longer ones, usually up to 3 years. However, if a person is diagnosed with a chronic illness, they always have it and unfortunately it would always be considered a pre-existing condition. However, if someone had a surgery, for a broken bone, more than 3 years ago, typically this would not be considered a pre-existing condition anymore.
To best understand the definition of pre-existing condition and the look back period, it is recommended to read the specific plan brochure.