Private Medical Insurance generally does not cover 'chronic' conditions (conditions which are incurable, for example asthma, HIV and/or AIDS). Pre-existing conditions are not covered under individual policies or new (previously uninsured) company schemes.

However, pre-existing conditions within the last, usually, five years, may be covered if you have been advice-free, symptom-free, treatment-free and medication free for (usually) two consecutive years after the commencement date of your policy under the 'moratorium' underwriting. Conditions that are considered cured by your GP or specialist over (usually) five years before the commencement date of the policy may immediately be covered if they re-occur.

Pre-existing conditions are any disease, illness or injury for which you have received medication, advice or treatment; or you have experienced symptoms; whether the condition has been diagnosed or not (usually) in the 5 years before the start of your cover.