Health Insurance - Pre-existing conditions

BabsM · #1 (**permalink**) 26th June 2008, 01:57 AM

Does anyone know if a health insurance company for Cyprus that gives cover for pre-existing and ongoing medical conditions (Diabetes/Hypertension) please?

What happens if its not possible to get cover? My husband will be self-employed and both of us are under retirement age.

Thank you

rivonia · #2 (**permalink**) 26th June 2008, 02:37 PM

I think most health insurance companies will not cover pre-existing conditions at the beginning of a policy, but if there is no recurrence after eg 2 years they will! It is a case of going to each company as every one is treated as an individual. The local banks offer health cover as do companies such as Atlantic Insurance.

Good Luck

BabsM · #3 (**permalink**) 26th June 2008, 05:24 PM

Thank you for taking the trouble to reply.

Sadly Diabetes does not go away. Once you have it, you always have it and cannot avoid treatment for two years. So I need a policy that covers this pre-existing condition from day 1. I have looked at lots and they all exclude pre-existing conditions for a period of time.

manxman · #4 (**permalink**) 27th June 2008, 09:05 AM

My wife and I have the same problem - as does about a quarter of the world's population! - with high blood pressure. Beware of healthcare "Moratoriums" as they will only cover you in a couple of year's time if you haven't taken any medication during those two years - so you continually disqualify yourself! Check the web for Europe or even Worldwide cover (rather than specifically Cyprus) adding "+ acceptance of pre-existing conditions" and you'll find a few companies at about £380 per month! At least that's what I have found out so far.

Best of luck, I'll be watching for replies to your question!

BabsM · #5 (**permalink**) 27th June 2008, 11:36 AM

Yes, we were finding companies in the region of £350 - £400 per month and we just can't afford that.

Maybe I should try posting the question in a general forum as well to get some feedback from people in other countries!

manxman · #6 (**permalink**) 7th July 2008, 04:03 PM

Hi Babs. Did you and your husband ever get any luck searching for insurance in Cyprus that accepts pre-existing conditions?

BabsM · #7 (**permalink**) 7th July 2008, 05:15 PM

No we didn't. They all have a clause that requires a period without treatment before they'll cover pre-existing conditions.

Not an option for a diabetic!

manxman · #8 (**permalink**) 9th July 2008, 03:26 PM

So what happens if something happens? How are you covered for medical help - out of your own pocket? And how do you get permanent residence if you have no medical cover?

BabsM · #9 (**permalink**) 9th July 2008, 04:59 PM

Due to my circumstances I am told by the pension service that I can get an E121. Just waiting for it to arrive!

kimbo67 · #10 (**permalink**) 10th July 2008, 05:43 PM

Hi Babs
I have ben looking into health insurance but all seem to be without pre-existing conditions but I noticed you thought they were too dear. I have found AXA PPP quoted the best (so far) depending on what type of cover but my quote started at £246 for 5 of us?