{"id":10748,"date":"2025-10-09T09:36:05","date_gmt":"2025-10-09T09:36:05","guid":{"rendered":"https:\/\/simply.ch\/aktuelles\/dealing-with-pre-existing-conditions-in-health-insurance\/"},"modified":"2025-11-20T12:01:55","modified_gmt":"2025-11-20T12:01:55","slug":"dealing-with-pre-existing-conditions-in-health-insurance","status":"publish","type":"post","link":"https:\/\/simply.ch\/en\/news\/dealing-with-pre-existing-conditions-in-health-insurance\/","title":{"rendered":"Dealing with Pre-Existing Conditions in Health Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10748\" class=\"elementor elementor-10748 elementor-10014\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec100b9 e-flex e-con-boxed e-con e-parent\" data-id=\"ec100b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-425d767 e-con-full e-flex e-con e-child\" data-id=\"425d767\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6d246d8 e-con-full e-flex e-con e-child\" data-id=\"6d246d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f146220 main-color elementor-widget elementor-widget-heading\" data-id=\"f146220\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Dealing with Pre-Existing Conditions in Health Insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88cd41c elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"88cd41c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you are thinking about taking out or changing health insurance, the term &#8220;pre-existing conditions&#8221; may come to the fore. But what exactly are pre-existing conditions and how do they affect your insurance decision? <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7aa6d9 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"a7aa6d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/simply.ch\/wp-content\/uploads\/2025\/10\/simply-aktuelles-der-umgang-hero.jpg\" class=\"attachment-full size-full wp-image-10016\" alt=\"Image-Dealing-with-pre-existing conditions\" srcset=\"https:\/\/simply.ch\/wp-content\/uploads\/2025\/10\/simply-aktuelles-der-umgang-hero.jpg 1200w, https:\/\/simply.ch\/wp-content\/uploads\/2025\/10\/simply-aktuelles-der-umgang-hero-300x200.jpg 300w, https:\/\/simply.ch\/wp-content\/uploads\/2025\/10\/simply-aktuelles-der-umgang-hero-1024x683.jpg 1024w, https:\/\/simply.ch\/wp-content\/uploads\/2025\/10\/simply-aktuelles-der-umgang-hero-768x512.jpg 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-927efc3 e-con-full e-flex e-con e-child\" data-id=\"927efc3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2239ca elementor-widget elementor-widget-heading\" data-id=\"d2239ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are pre-existing conditions?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ee9288 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"5ee9288\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A pre-existing condition is, as the name suggests, a condition that existed before taking out health insurance. These could be chronic diseases such as diabetes, lupus, or various types of cancer. But also mental illnesses, such as depression, are included.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b09422 e-con-full e-flex e-con e-child\" data-id=\"5b09422\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b906e2 elementor-widget elementor-widget-heading\" data-id=\"8b906e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do pre-existing conditions affect your insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfb3d4d elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"bfb3d4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pre-existing conditions are not relevant for the mandatory basic insurance. In this case, the health insurance companies must accept all policyholders regardless of their state of health and insure them in accordance with KVG coverage requirements. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-640ba16 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"640ba16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>However, the situation is different with supplementary health insurance, which offers benefits that go beyond basic insurance &#8211; be it preferential hospital treatment or special therapies. With these supplementary insurances, pre-existing conditions are very important. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79194f7 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"79194f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>During the application process for supplementary insurance, interested parties usually have to fill out a health questionnaire. The health insurance companies use this information to get a picture of the current state of health of the interested person. If a relevant pre-existing condition is identified, the health insurance company can:  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db67be7 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"db67be7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li>Possibly exclude a cost contribution for certain pre-existing conditions.<\/li><li>In some cases, even completely reject insurance cover.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-707f525 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"707f525\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An important note: The health questionnaire must always be completed fully and truthfully. Otherwise, you risk the health insurance company refusing to cover the costs in the event of a claim. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08e98c9 e-con-full e-flex e-con e-child\" data-id=\"08e98c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ccbcb9 elementor-widget elementor-widget-heading\" data-id=\"5ccbcb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Our tip<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e3d2e1 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"5e3d2e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The sooner you take out supplementary health insurance, the better! Ideally, as long as there are no pre-existing conditions. But with the large number of offers, the decision-making process can be complicated.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2efdf2c elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"2efdf2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This is where simply comes in: As your insurance partner, we support you in finding supplementary health insurance that meets your needs. For example, KPT offers exciting supplementary insurance for outpatient services, hospital stays or specifically for children. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42c2c84 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"42c2c84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Let us work together to find the best solution for your health and safety.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-134b5ab js-show-message-slide elementor-widget elementor-widget-button\" data-id=\"134b5ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book consultation appointment now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If you are thinking about taking out or changing health insurance, the term &#8220;pre-existing conditions&#8221; may come to the fore. But what exactly are pre-existing conditions and how do they affect your insurance decision? What are pre-existing conditions? A pre-existing condition is, as the name suggests, a condition that existed before taking out health insurance. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10016,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10748","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nicht-kategorisiert"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dealing with pre-existing conditions in health insurance | simply<\/title>\n<meta name=\"description\" content=\"If you are thinking about taking out or changing health insurance, the term &quot;pre-existing conditions&quot; may come to the fore.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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