Insurers may or may not cover a pre-existing condition and could choose one of several ways to underwrite your application. If an insurer does cover a pre-existing condition, they will likely place an extra charge to your annual plan. Alternatively, an insurer might wait a few years to see if your pre-existing condition flares up. If it does not they might include it in your plan. Unfortunately, most insurers will not cover pre-existing conditions. However, if you are part of an expatriate group insurance plan, you can make an exception to have all pre-existing conditions covered. Contact Expat Financial today if you need a special arrangement.