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Long-Term and Related Conditions

Guidance on the following long-term conditions and associated related conditions including any undiagnosed symptoms.

Reviewed: 30 April 2026

This provides guidance on the following long-term conditions and associated related conditions including any undiagnosed symptoms. It should be read in conjunction with the applicable Guide to your Policy or Scheme.

Health insurance is designed to provide benefit for the treatment of unexpected acute conditions i.e. those that occur after your health insurance has started. The purpose of underwriting is to assess, and if necessary exclude cover for, those conditions that are known or could reasonably be expected at the time of commencing insurance. This helps keep premiums affordable and ensures customers are clear about what their Policy or Scheme covers from the outset.

When we refer to conditions, this includes any related conditions and any undiagnosed symptoms. Please refer to your Guide for full details of our underwriting options.

Where a personal exclusion applies or if you have chosen underwriting on a moratorium basis, many long-term conditions will be exempt from cover including their related conditions. For ease we have highlighted some of the more common long-term conditions and provided examples of those that are generally recognised to be related to these.

Please note this list is not exhaustive.

Long-term condition: