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Health insurance - Waiting periods

Dapos · 2016-06-21 13:06:26

Hi all, Just wondering if you join a health insurance for the first time with no prior insurance and you get a serious illness during the waiting period (26 weeks) what happens? Does the illness become classed as pre-existing even if you were not aware of illness when you took out the policy and the got diagnosed during…

21-06-2016 1:06pm

#1

Dapos

Registered Users, Registered Users 2 Posts: 617 ✭✭✭

Join Date: September 2005

Posts: 467

Hi all,

Just wondering if you join a health insurance for the first time with no prior insurance and you get a serious illness during the waiting period (26 weeks) what happens? Does the illness become classed as pre-existing even if you were not aware of illness when you took out the policy and the got diagnosed during the waiting period?

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#2 21-06-2016 1:30pm

coylemj

Registered Users, Registered Users 2 Posts: 25,624 ✭✭✭✭

Join Date: October 2006

Posts: 25133

A medical decision would have to be made as to whether it was a sudden illness not related to a pre-existing condition or whether it was something that you must have been aware of earlier and which existed before you took out the policy. You can't get a definitive answer with all the possible permutations.

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