What constitutes a pre-existing condition?

A pre-existing condition is where signs or symptoms of an ailment, illness or condition, in the opinion of a medical practitioner appointed by Navy Health existed at any time during the six (6) months preceeding the day on which you joined the insurer or transferred to a higher benefit cover.

This is irrespective of whether your medical practitioner, you and/or your dependants were aware of the condition or ailment.

The pre-existing condition rule also applies when resuming a suspended membership and symptoms or signs developed during the suspension period.

*Excludes Psychiatric, Rehabilitation and Palliative care.