Quick answer
A pre-existing condition is any health condition your parent had before the policy starts. It's covered only if the plan includes pre-existing conditions and the condition has been "stable" — no new symptoms, treatment, medication changes or tests — for the plan's required period, usually 90, 180 or 365 days.
What "stable" usually means
Each policy defines it, but most say a condition is stable if, during the stability period, there has been:
- No new diagnosis or new symptoms
- No new medication, and no change in dose or type (routine refills are usually fine)
- No new treatment, hospital stay or test results pending
- No referral to a specialist that hasn't happened yet
The tricky part is medication. Moving from 5mg to 10mg of a blood-pressure tablet three weeks before the policy starts can make the condition unstable under a 90-day rule.
Typical stability periods
| Stability period | Where you'll see it |
|---|---|
| 90 days | Many plans for younger ages, or premium options |
| 180 days | Common on standard Super Visa plans |
| 365 days | Some plans for older ages or certain conditions |
Exact rules depend on the insurer, age and plan chosen.
Why the medical questions matter
Many insurers ask health questions at purchase. Answers that are wrong — even by accident — can void coverage when a claim is made. That's the most painful kind of claim denial, because the family thought they were covered. We go through the questions with you, line by line.
Conditions we see most often
High blood pressure, type 2 diabetes, high cholesterol, thyroid conditions, arthritis and past heart conditions. All can often be covered if stable — the plan choice is what matters.
Before you buy: a quick checklist
- List every condition and medication, with doses.
- Note any changes in the last 12 months.
- Note any tests or specialist visits pending.
- Share this with your advisor before choosing a plan.
Common questions
Is it cheaper to skip pre-existing coverage?
Yes, but if your parent has any ongoing condition, a related claim could be denied. For most parents with a medical history, pre-existing cover is worth it.
What if a condition changes during the policy?
Stability is usually judged before the policy's effective date. Changes during the policy are generally covered as new emergencies, subject to the wording — ask us about your specific case.
Does a routine check-up make a condition unstable?
Usually not, if there's no new diagnosis, treatment or medication change. Check the policy's definition.
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