3.31 Pre-existing conditions

Any treatment for a pre-existing condition, related symptoms, or any condition that results from or is related to a pre-existing condition, unless:

• we were given all the medical information that we asked for during your application for your current continuous period of membership, and
• we did not specifically exclude cover for the pre-existing condition on your Membership Certificate
• you did not know about the pre-existing condition before the ‘effective from’ date on the first Certificate for your current continuous period of membership.

Note: please contact us before your renewal date if you would like us to review a personal exclusion. We may remove your exclusion if, in our opinion, no further treatment will be either directly or indirectly required for the condition, or for any related condition. There are some personal exclusions that, due to their nature, we will not review.

To carry out a review, we must receive full current clinical details from your family doctor or consultant. Any costs incurred in obtaining these details are not covered under your plan and are your responsibility.

For pre-existing conditions for new borns, please see the exclusions for congenital and hereditary conditions in this section.