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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Jul 06, 2021 4:51 pm
8 Replies
Jul 06, 2021 4:59 pm
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.
@maxgravy This is great to know. At least I'm aware there are potential options if necessary. Thank you!
@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
Jul 06, 2021 6:58 pm
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).
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.
@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.
Jul 06, 2021 8:40 pm
Great question, following. Any recommendation on private health insurer? Would be good to hear experiences. Thanks in advance.
Jul 06, 2021 8:43 pm
Yep, message Ana Vieira. She is a good experience!
@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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