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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
  • Alzheimer's disease or dementia
  • Aneurism (abdominal or aortic)
  • Angina
  • Anorexia nervosa/bulimia within the last five years
  • Anxiety, depression or mood disorder resulting in recent hospitalization or time off work
  • Cancer within the last ten years
  • Cerebral palsy
  • Congestive heart failure
  • Coronary artery disease including bypass grafting
  • Cystic fibrosis
  • Down syndrome
  • Drug/alcohol abuse within the last five years
  • Heart attack
  • Heart valve replacement
  • Hepatitis B, C, D
  • Huntington's chorea
  • Hydrocephalus
  • Kidney disease
  • Liver disease (chronic), including cirrhosis
  • Major organ transplant
  • Morbid obesity
  • Multiple sclerosis
  • Muscular dystrophy
  • Pacemaker
  • Paralysis treatment by angioplasty or coronary artery
  • Parkinson's disease
  • Peripheral vascular disease
  • Schizophrenia
  • Spina bifida
  • Stroke (cerebral vascular accident) or TIA
  • Systemic lupus erythematosus
  • Get insurance

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    Online purchase of Personal Health Insurance is not available in Quebec. An advisor can help you apply.