Supplementary Insurance: Possible with pre-existing condition?

Finance, Taxes, Banking, Insurance and Retirement
1
Is it possible to get supplementary health insurance with a pre-existing condition? Does anybody have personal experiences, positive or negative, to share on this specific query?

Thank you.

W.

PS I reviewed all the forums but was unable to get a clear response. Thx.

2
It depends what the condition is, but usually unlikely. You can PM me the case if you like and I'll see what your options are.

Best,

David

3
In both of our cases, it was totally impossible. Even though my niece who had worked for the Insurance for 30+ years did her best to try and get it through.

4
And unlike Odile both my husband and I have prexisting conditions and we bot got it so it really does depend on the condition and possibly the insurance company too.

5
Possibly depends on age too, as we are both over 60.

BelgianMum, was the insurance arranged by your employer? They might be BIG customers and therefore able to tweek things a bit. For us it was a clear NO.

6
Usually you can get supplementary insurance but they will not cover you for treatment related to pre-exisiting conditions. This will revert back to your basic insurance.

You will be covered at the private level for non-pre-existing conditions.

Some conditions will exclude you altogether.

7
My husband just sorted out out health insurance for us both. He is with Visana as he gets a discount from his employer but they wouldn't insure me because I have high cholesterol.

I'm 42. I was gobsmacked. Doesn't half the world have high cholesterol ??

Anyway He sorted my insurance through Groupe Mutuale. I have no idea what this means in terms of what I get as I haven't looked at it at all...... so I can't tell you anything more than that...

8
It's not just pre-existing conditions that make it difficult to get supplemental insuraces - also BMI.

OH is a tad too short for his weight. He was able to buy supplemental insurance, but with a restriction - no coverage for any weight-related problems. However, once he lost the weight, certified by his doctor, this restriction was lifted.

9
Meloncollie, do you know which company allowed the restriction based supplements? I have also run into the same height issue recently.

Thank you!

Jen