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Life insurance with pre-existing conditions

It's possible to get life insurance if you have a pre-existing condition, but an exclusion may apply or you will pay more.

What you need to know

  • You can get life insurance if you have a pre-existing medical condition, but that condition is often excluded from cover.
  • In some cases, you might be able to get a life insurance policy that covers a pre-existing condition but you will pay more.
  • You might be able to get covered for the pre-existing condition but often only if you can prove it is no longer an issue.

What is a pre-existing condition for life insurance?

A pre-existing medical condition is a condition you have or have had prior to buying life insurance.

It can be something that requires ongoing treatment or that you have been treated for in the past. It can also be a condition that's been resolved – essentially, any health issue that could affect your life expectancy and health or ability to work. If you die or suffer a severe illness as a result of a pre-existing condition, your claim can be refused if it's listed as an exclusion on your life insurance policy. Some common pre-existing conditions examples are:

  • Heart disease
  • High blood pressure
  • Cancer
  • Kidney or liver disease
  • Depression
  • Diabetes
  • Sleep apnoea
  • Musculoskeletal conditions

Financial adviser Brenton Tong on life insurance for pre-existing conditions

Brenton Tong pre-existing medical conditions

How do I apply for life insurance with a pre-existing condition?

"Typically, when applying for any type of life insurance policy, whether it be life insurance, total and permanent disability, income protection or trauma, your medical history and any pre-existing medical conditions will be taken into consideration. Your medical history will either be a hurdle at the time of applying for insurance, or it will be a hurdle in making a claim on your policy.

As a rule, if your medical history isn't examined when you apply for insurance, you run a very real risk that a claim isn't going to be paid on your policy in the future as the insurance company can lean on pre-existing medical conditions as a reason not to pay – so in most regards, it's best to deal with the pain (medical examination) upfront and remove any uncertainty about your ability to get insurance."

Can I get life insurance with a pre-existing condition?

"An insurer is going to look at your pre-existing medical condition in light of the type of insurance policy that you're applying for. As an example, if you have a back injury and seek regular treatment from a chiropractor, it's not likely to affect a life insurance policy. However, higher cholesterol and heart disease will. The easiest way to think about it is to consider if your medical condition may shorten your life."

Will I pay more if I can get life insurance with a pre-existing condition?

"If you do have a pre-existing medical condition that the insurer feels may have a material effect, then you're likely to either have your policy accepted at a higher rate – called a loading. If you're a smoker, premiums for insurance are usually higher as you represent a higher risk to the insurance company. If you have other medical issues that the insurer feels put you at a similar risk as a smoker to early death, then they will charge you accordingly. You can expect to pay from 50 – 100% more for your premiums in this situation."

What happens if I am declined due to a pre-existing condition?

"If you are declined for your insurance, it's always best to ask why – sometimes the answer isn't what you were thinking of. While it may be based on a pre-existing medical condition, it may be a combination of things. It could be a family history of heart disease coupled with higher blood pressure, high cholesterol and a high BMI. In this circumstance, you may be able to focus on improving your health and losing weight and then applying again. Sometimes just 5kg could make the difference. The family history might still be there, but there is one less factor for the insurance company to be worried about.

Sometimes your medical history is bad enough that it's a flat no and you won't be able to be accepted no matter what you do. You may be tempted to find a less reputable insurance company to see if they will insure you – if you go down this path, be very careful and read all the fine print."

What is a life insurance pre-assessment?

"Even if you do have a complicated medical history, it's worth getting pre-assessed for an insurance application. This is a shortened version of an insurance application that a medical underwriter will assess and give guidance on how they would likely deal with such an application. They may indicate that it's still worth putting it in, or that they need further information. As with most things in life, if you don't try, you'll never know. "

Brenton Tong is the managing director and senior financial adviser at Financial Spectrum.

How does life insurance cover pre-existing conditions?

If you're able to get cover, a life insurer will generally apply one of the following to your policy:


A loading

A loading is when you will be covered for that pre-existing condition but there is an increase to the cost of your premium.

"For example, you may have a loading applied instead of/in addition to an exclusion if you suffer from: high BMI (typically over 32 is where you may start to see loadings, but some insurers will allow a BMI of up to 37 before a loading is applied)," says Inspired FP's financial adviser Grant Millar. "The extent to which a loading is applied could be up to +300%, or 4 times, the original premium in extreme cases".

An exclusion

An exclusion is when you can get life insurance but you won't be covered for claims related to your pre-existing condition. Mental health conditions are common exclusions.

"Any symptoms, and possibly even any treatment for mental health symptoms, in the past 3 or so years is more likely to lead to an exclusion on any mental health related condition," says Millar.

Life insurance that may cover you with a pre-existing medical condition

Name Product Maximum Cover Maximum Entry Age Terminal Illness Benefit Claims Acceptance Rate Average Claim Time Sum Insured
Medibank Life Insurance (Pre-existing conditions)
Data not available
Data not available
Data not available
  • When applying, you are asked to sign a declaration confirming that you've provided all relevant details about your health and any pre-existing conditions.
  • The information you disclose about your pre-existing condition will determine the cover you may receive, including claims.
  • NobleOak Term Life Insurance (Pre-existing conditions)
    Data not available
    Data not available
    Data not available
  • Cover for pre-existing conditions is assessed on a case by case basis during the application process.
  • You may be subject to an increase in premiums or a specific exclusion.
  • AAMI Life Insurance (Pre-existing conditions)
    Data not available
    Data not available
    Data not available
  • You will be asked questions on your income, lifestyle and health during the application process.
  • The level of cover you receive for pre-existing conditions is assessed on a case by case basis.
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    How to get life insurance with a pre-existing medical condition

    You generally have 3 options:

    life insurance icon

    Directly from an insurer

    You might be able to get life insurance for a pre-existing condition if you take out a policy directly with an insurer. In most cases, you will need to go through the underwriting process upfront. This means you'll be asked questions about your health, lifestyle and occupation when you apply.

    Expert man icon

    Through an adviser

    A financial adviser can shop around for a policy on your behalf. These are often medically assessed upfront so you'll know whether any exclusions will be applied to your policy before it's issued.


    Through group insurance

    You usually get group life insurance through a super fund or employer. It may cover pre-existing conditions because it usually requires minimum or no personal information to apply, unless you want to increase your level of cover within the group insurance product.

    Watch out for exclusions
    If you get group insurance, there may be exclusions such as disability relating to a pandemic, says financial adviser Grant Millar, so check the product disclosure statement (PDS) to see if you're covered.

    Or speak to an insurance specialist to help you find cover

    What information about my medical history will I need to disclose?

    When purchasing an insurance plan with a pre-existing medical condition or illness, you will need to disclose personal information. The required information can vary depending on the condition and brand.

    1. Information about specific conditions

    For example:

    • Asthma, sleeping disorders
    • High cholesterol, blood pressure, diabetes or high blood sugar
    • Skin problems such as cancers, moles or tumours
    • Depression or anxiety
    • Serious disorders like cancer, epilepsy, heart conditions, anemia, kidney or bladder disease or thyroid conditions
    • Female specific conditions like breast cancer
    • Male specific conditions like prostate cancer

    2. General medical information

    Other information may require you to disclose if you have been in the hospital, seen a doctor for a condition, have been prescribed medication in the past 5 years or any of the following:

    • If you made a previous claim because of an illness.
    • If you have had symptoms which made you seek medical advice or a professional health practitioner and are awaiting tests or medical treatment or are taking prescription drugs.
    • If you have had to miss work because of the condition.

    What else is assessed during the underwriting process?

    During the underwriting process, your insurer will look at various life insurance risk factors, which can generally be broken down into 8 risk groups:

      1. Your medical history. During your application for life insurance you should let your insurer know of any congenital problems, illnesses or diseases, injuries, psychological issues or any undiagnosed by ongoing symptoms.
      2. Your family medical history. Family history is an important indicator for ailments that are known to have familial links such as cancer, depression or congenital heart defects.
      3. Your lifestyle. You should inform your insurer if you're a smoker, drinker, or taking any prescription or non-prescription drugs.
      4. Your occupation. Your occupation, hours you work, your title, the size of the company you work for are all important factors for insurers.
      5. Your financial situation. Your insurer will want to make sure that the amount you're being insured for is both logical and that you will be able to keep up with the required premium repayments.
      6. Your participation in hazardous pursuits. Your participation in hazardous pursuits may be assessed depending on both the type of activity and your level of competency.
      7. Your location. Your insurer will look at your access to medical facilities and likelihood of natural disasters in the areas you work and live.
      8. Your present risk. Contemporary events are current risks that may pose an immediate threat such as civil unrest or natural disasters.

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    Frequently asked questions about life insurance with pre-existing conditions

    Written by

    Gary Ross Hunter

    Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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