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Private Healthcare & Pre-Existing Conditions


Posts: 4
Community Member
Topic starter
(@recursivefantasy)
New Member
Joined: 3 months ago

Hi! So glad to be here. My family and I are planning on moving to Portugal (we love it there) and would like to find out how pre-existing conditions work in relation to private health care. It seems to me that most private insurance companies will deny coverage based on pre-existing conditions, but does that mean that will deny coverage entirely or can a person still be covered but for all other things not related to the pre-existing condition? 

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8 Replies




Posts: 176
 MaxG
Premium Member
(@maxgravy)
Estimable Member
Joined: 1 year ago

I believe that pre-existing conditions are covered after you've had the insurance for six months. That's my understanding for the Médis insurance that we have. 

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2 Replies
Community Member
(@recursivefantasy)
Joined: 3 months ago

New Member
Posts: 4

@maxgravy This is great to know. At least I'm aware there are potential options if necessary. Thank you!

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Ask Our Expats Consultant
(@anavieira)
Joined: 1 year ago

Member
Posts: 173

@maxgravy hello!

not knowing exactly what is your case and what is your policy, I have to say that medis usually do not cover any pre-existing conditions.

maybe the six months you are mentioning are related to the waiting period/grace period for the covers to be effective.

there is some options for people that have pre-existing conditions but Medis will not do that.

😉

Have a nice evening!

Ana

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Posts: 378
Ask Our Expats Consultant
(@thomasribatejo)
Member
Joined: 4 years ago
Posted by: @recursivefantasy

can a person still be covered but for all other things not related to the pre-existing condition?

As a general rule, yes - you'd be covered for issues unrelated to the PEC(s).  Of course, some PECs can be of a nature which can lead to other things, so if that is the case, it's worth discussing this with the underwriters (and not necessarily taking the salesperson's word for it).

Posted by: @maxgravy

I believe that pre-existing conditions are covered after you've had the insurance for six months. That's my understanding for the Médis insurance that we have. 

Whilst I would not call into question what @maxgravy says regarding their policy, I would not assume this to be the case as a matter of course, across all insurers.  Please check all the fine print relating to any medical issues which are of importance to you.

 

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1 Reply
Community Member
(@recursivefantasy)
Joined: 3 months ago

New Member
Posts: 4

@thomasribatejo Thank you Thomas. This is great to hear. Affordable healthcare and security for our kids is one of the primary reasons why we'd love to move to Portugal and I was quite a bit concerned about this. 

This is very reassuring.

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Posts: 18
Premium Member
(@bornaa)
Active Member
Joined: 6 months ago

Great question, following. Any recommendation on private health insurer? Would be good to hear experiences. Thanks in advance. 

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Posts: 191
 Bert
Premium Member
(@bert)
Estimable Member
Joined: 1 year ago

Yep, message Ana Vieira. She is a good experience!

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1 Reply
Community Member
(@recursivefantasy)
Joined: 3 months ago

New Member
Posts: 4

@bert Thank you so much. I just did. I saw her response in some other entries and she definitely seems to know her stuff. 🙂

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