A pre-existing condition is a mental or physical injury and/or illness that existed before the start date of your policy with The Unlimited (prior to the original inception of your cover, or the reinstatement or reissue date of your policy).
This is a condition that would need a doctor: you would either have seen a doctor for treatment or should have seen a doctor.
A pre-existing condition would not have a short-term cure (for example, an acute condition like a cold or flu) and needs ongoing treatment or medicine (for example, a chronic condition like hypertension, diabetes, cancer, heart condition, congenital or HIV/AIDS and related illnesses).
With Death Cover, you will not be covered for a pre-existing condition.
With Illness Cover, if you have a pre-existing condition then a condition-specific waiting period of 12 months will apply before you can claim.
A chronic condition needs ongoing treatment and could include hypertension, high blood pressure, diabetes, cancer, a heart condition, a congenital condition, or an HIV/AIDS-related illness, and/or others.
There are other examples of pre-existing conditions which might affect your claim.
If you are unsure as to whether a specific condition is a chronic condition, and/or whether it is a pre-existing condition, please call our customer care line so that we can help you to ensure that you have the right coverage.
The following are real-life examples where a claim is not covered because the correct details were not provided before the start date of the policy.
A waiting period refers to a period specified in your policy. During this time, we need to collect a specified number of successful consecutive monthly payments from you, before you are entitled to claim under the policy. This is calculated from the start date of your policy.
If there is a waiting period in your policy, and you have not completed the waiting period, then you will not be able to claim for that benefit.
If you miss a monthly payment, the relevant waiting period starts again.