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When you take out a health insurance policy with Bupa Providers Online, you'll usually exclude cover for any symptoms, conditions, illnesses or injuries you had before you joined.

Your insurance is designed to cover future risk and so any previous conditions are usually not covered. For example, ‘if you injure your leg before taking out your Bupa Health Insurance policy and you then need further physio-treatment after your policy has begun, this treatment would not be covered’.

Or if you have a medical condition such as a heart problem before your policy begins, any health issues related to this condition that arise after you take out the policy will not be covered. In this case, you would need to seek treatment from the NHS or, alternatively, pay for private treatment yourself.

When you join Bupa Providers Online, you can choose to be underwritten in a number of different ways. Most customers choose full medical underwriting. In this scenario, Bupa Providers Online will ask you to tell about any previous health issues you've had when you join. It's important you answer these questions honestly or it may delay or invalidate a future claim.

When you make a claim, Bupa Providers Online may also check with your GP that you haven't had the condition before. You'll be able to see any conditions that are excluded from your cover on your membership certificate. These will be under the section called Special Conditions.

The same process will also apply for any members of your family included in your policy. New conditions that arise after you take out your policy would most likely be covered. Check your policy documents for details on what you are and aren't covered for. Just give a call to Bupa Provider before making a claim to check. You can speak to Bupa Providers Online at renewal to apply to remove any preexisting conditions from your policy. It depends on the condition and the length of time you have been symptom, treatment and advice free. Some conditions such as pregnancies, cosmetic surgery and the maintenance of chronic conditions aren't usually covered under your health insurance.

Check your membership guide for full details. For more details please visit official wesite.

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