Pre-existing illnesses and conditions

This is a partial list of common conditions that result in uninsurability for Personal Health Insurance, there may be other conditions that may also be uninsurable. Please do not submit a Personal Health Insurance application for coverage if you have one of these conditions. You can still submit a Health Coverage Choice application if you have one of these conditions and meet the Health Coverage Choice eligibility criteria.

  • AIDS or tested positive for HIV within the last 12 months   
  • Alzheimer's disease 
  • Amyotrophic Lateral Sclerosis (ALS)  
  • Angina within the last 5 years  
  • Anorexia nervosa/bulimia within the last 5 years 
  • Anxiety, depression or mood disorder resulting in hospitalization within the last 12 months  
  • Cancer (within the last 5 years) 
  • Cardiac Arrest  
  • Cardiomyopathy 
  • Cerebral palsy 
  • Carebral aneurysm unoperated  
  • Cirrhosis of the liver 
  • Clinically Isolated Syndrome  
  • Coronary Artery Disease (CAD) including treatment by angioplasty or coronary bypass grafting (CABG) within the last 5 years 
  • Cystic fibrosis 
  • Dementia 
  • Drug / alcohol abuse (within the last 5 years) 
  • Dystonia  
  • Heart attack within the last 5 years  
  • Heart valve replacement within the last 5 years
  • Hepatitis B, C, D (chronic) 
  • Height and Weight – BMI more than 45 
  • Hydrocephalus 
  • Huntington’s chorea  
  • Kidney failure 
  • Liver disease (chronic) 
  • Lou Gehrig’s Disease   
  • Lupus systemic / erythematosus 
  • Major organ transplant (Bone marrow, liver, kidney, heart, lung) 
  • Multiple sclerosis
  • Muscular dystrophy 
  • Neurogenic Bladder 
  • Parkinson's disease  
  • Polycystic Kidney Disease (PCKD) 
  • Permanent paralysis  
  • Stroke (cerebral vascular accident) within the last 5 years 
  • Suicide attempt within the last 3 years 

You may be eligible to submit a Health Coverage Choice application if you have one of these conditions and meet the Health Coverage Choice eligibility criteria. Apply online.

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