Around 70% of new clients I work with have some form of pre-existing medical condition and the truth is, getting insurance with a medical history isn’t always straightforward.
But our goal is always the same, to make the process smooth, simple and stress-free.
One of the most effective ways to do that is by completing a pre-assessment. This is where I ask you detailed questions the same way an insurance underwriter would so I can properly understand your health history.
From there, I speak to multiple insurers behind the scenes to find the most suitable outcome available for your situation. Each insurer looks at medical conditions differently, so this step helps avoid delays, declines, or unnecessary applications.
A pre-assessment allows me to give you clear expectations upfront, including:
✅ Likely premium costs
✅ Any potential loadings or exclusions
✅ Estimated timeframes (which can range from a few weeks to a few months)
Clients consistently tell me how valuable this clarity is no surprises later, just honest expectations from the start.
Common Pre-Existing Conditions I’ve Recently Helped With
- Gout
- Higher BMI
- Diabetes
- High blood pressure & cholesterol
- Gastric surgery
- ADHD, anxiety, depression & PTSD
- Chronic back pain
- Tinnitus
- …and many more
Some applications were approved with standard rates, others with loadings, exclusions, or a combination of both it always depends on the insurer and your personal situation.
If you’ve been putting off arranging your insurance because of a health condition, let’s have a quick, confidential, no-pressure chat. There’s absolutely no obligation, and you might be surprised by the options available.
