Yes, coverage is possible if these conditions are declared in the Medical form:

• Individual policies: Coverage applies only if declared on the medical form.
• Group policies: Major declarations are generally required for small & medium enterprises (SME); coverage depends on disclosure, whereas large corporations will receive coverage without declaration, subject to receiving claim reports.
• A waiting period of typically six months applies before coverage begins, specifically for new members who do not have “CoC”. Some conditions may be excluded if on the insurer’s exclusion list.

Generally, a waiting period of six months may be applied, before you can get health insurance coverage for any declared pre-existing conditions. However, certain pre-existing and chronic conditions may not be covered if the medical condition falls under the health insurance Exclusion List.

You can check with an insurance broker for specific waiting periods that apply to the chosen health insurance plan.

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