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What is not covered?

3.31 Pre-existing conditions

Any treatment for a pre-existing condition, related symptoms, or any condition that results from or is related to a pre-existing condition, unless:

  • we were given all the medical information that we asked for during your application for your current continuous period of membership, and
  • we did not specifically exclude cover for the pre-existing condition on your Membership Certificate
  • you did not know about the pre-existing condition before the ‘effective from’ date on the first Certificate for your current continuous period of membership.

Note: please contact us before your renewal date if you would like us to review a personal exclusion. We may remove your exclusion if, in our opinion, no further treatment will be either directly or indirectly required for the condition, or for any related condition. There are some personal exclusions that, due to their nature, we will not review.

To carry out a review, we must receive full current clinical details from your family doctor or consultant. Any costs incurred in obtaining these details are not covered under your plan and are your responsibility.

For pre-existing conditions for new borns, please see the exclusions for congenital and hereditary conditions in this section.

Talk to us about your options


Call us today on: 21 342 342

We are here for you Monday to Friday 8am to 5pm.

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Contact our client assistance team with your query or request a callback from one of our health insurance specialists.

LifeStar Health Limited acts as an insurance agent for Bupa Global Designated Activity Company (Bupa Global DAC), which has passported its services through the European Passport Rights for Insurance and Reinsurance Undertakings. LifeStar Health Limited is enrolledid as an insurance agent under the Insurance Distribution Act, Cap 487 of the Laws of Malta and is regulated by the Malta Financial Services Authority of Notabile Road, Attard BKR 3000, Malta and subject to limited regulation by the Central Bank of Ireland.


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