“Will my parent be denied because they have diabetes?”
Super visa insurance pre-existing conditions are one of the first things families ask me about. The good news is that having a pre-existing condition does not automatically mean your parent cannot get Super Visa insurance. But there’s an important difference between being able to buy a policy and having a particular medical condition covered.
What Does “Pre-Existing Condition” Actually Mean?
A pre-existing condition is generally a medical condition that existed before the insurance policy started. This can include conditions such as Diabetes, Hypertension, and Heart disease. The insurer wants to know whether the condition has been stable according to the policy’s definition and required stability period.
Does Diabetes or Hypertension Mean My Parent Won’t Be Covered?
Not necessarily. Here are three illustrative quote scenarios:
- 68-year-old mother with hypertension: Approx. $240/month.
- 72-year-old father with diabetes: Approx. $285/month.
- 76-year-old mother with heart disease: Approx. $390/month.
Not sure whether your parent’s medical condition qualifies? WhatsApp me their age, diagnosis and medication changes. I’ll help you understand what needs to be checked before you buy.
My Advice to Families in Ontario
Give the insurer the complete medical picture. A slightly higher premium with appropriate coverage can be far more important than simply choosing the lowest monthly price. I compare Super Visa insurance options for families across Brampton, Mississauga and Ontario.
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