A pre-existing condition is an ailment, illness or condition, the signs or symptoms of which existed at any time in the six months before you took out health insurance for the first time, or before you took out health insurance following a break in cover of 13 weeks or more.
Where you make a claim which relates to a pre-existing condition, a pre-existing condition waiting period will apply. A pre-existing condition is an ailment, illness or condition, the signs or symptoms of which existed at any time in the six months before you took out health insurance for the first time or before you took out health insurance after your health insurance had lapsed for 13 weeks or more.
You will not be covered for a pre-existing condition during yourpre-existing condition waiting period. Our medical advisers will decide whether your claim relates to a preexisting condition. Their decision is final.
Pre-existing condition waiting periods do not apply in the following circumstances:
- To claims made in respect of children who have been added to your policy within 13 weeks of the date of their birth
- To claims made in respect of adopted children who have been added to your policy within 13 weeks of the date of their adoption.
The following table sets out the pre-existing condition waiting periods applied by Irish Life Health. These waiting periods will apply from the date you took out health insurance for the first time (with Irish Life Health or another insurer), or from the date you took out health insurance (with Irish Life Health or another insurer) after your health insurance had lapsed for 13 weeks or more.
| Benefit | Under 55 years old | 55 years and older |
|
All In-patient Benefits including Overseas Benefits Day-case for Rheumatology and Chemo PET-CT Scans Health In the Home |
5 years | |
|
All Maternity and Infertility Benefits |
52 weeks | |
|
All Day to Day Benefits All Out-patient Benefits Minor Injury Clinic Cover Asthma Care Programme Stress Management Telephone Line Lifestyle, family & emotional wellbeing coaching Medicall Ambulance Cost Medical & Surgical Appliances Employee Assistance Programme Convalescence Benefit Home Nursing Child Home Nursing Parent Accompanying Child In-patient Support Benefit Cancer Support Benefit Public Hospital Levy Post Operative Home Help Alternative amount for post-operative home help Oncotype Dx |
None | |