Can I take out a health policy with a pre-existing illness?

Having life insurance provides security and peace of mind for both you and your family; through easy and quick access to high-level medical services that can be offered by the different clinics and health centers carefully chosen by the insurance company. However, it is possible that doubts arise when wanting to purchase an insurance policy, especially if you are over a certain age or have a pre-existing illness.

For this reason, we will explain some basic concerns that future policyholders have when they want to purchase an insurance policy with any company.

What is a pre-existing condition?

A pre-existing condition is a medical condition that a person has long before purchasing the health policy. This can be any disease, pathology or health condition diagnosed long before taking out a life or health policy.

Are there exclusionary diseases in a life and health policy?

Insurers at the time of making a contract to the future insured, carry out an exhaustive history of it to determine the possible risks. It is essential that the policy holder respond as honestly as possible, as this will determine the proper functioning of their coverage at the time of an emergency.

Insurance companies study the insured’s medical and risk conditions and indicate acceptance and exclusion of some risks or, in more extreme cases, denial of contracting the policy. The diseases will depend on the insurance companies. But an example of risk can be people who have had cancer in less than a year. People in chronic or acute condition are also evaluated.

Difference between a chronic and an acute condition in an insurance policy

In health or life policy contracts it is also very common to find the termination of chronic and acute illness. That is why I explain what it consists of and what is the difference between each of them.

Chronic condition

They are conditions that generally tend to last between 3 or more months, and may worsen over time as they are degenerative. They almost always occur in older people and are usually controlled but not cured. For example, diabetes, arthritis, heart disease, and stroke are some of the most common chronic conditions.

Acute condition

Acute conditions, on the other hand, are severe and sudden onset, which could be anything from a broken bone to an asthma attack. That is, osteoporosis is a chronic condition, but it can cause a bone to break, which is an acute condition.


Since you have a little more information about life and health insurance, you must be careful to comply with all the clauses that your health policy indicates and not pass any information unnoticed when filling out all the forms of the insurance company; in this way you will avoid any cancellation of your policy or exclusion by the company.

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