Pre-Existing Condition Premium Loadings

CCW Global can provide coverage for a number of pre-existing medical conditions through premium loadings. This means that it is possible for a pre-existing medical condition to be insured under an international health insurance policy in return for a higher price for the policy.

While this is not common on all international health insurance products, CCW Global is able to provide health insurance options which cater specifically to pre-existing medical conditions and are able to cover a number of common conditions under various levels of premium loadings.

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What Pre-Existing Conditions Can be Covered With a Loading?

While each application for pre-existing condition coverage will normally be reviewed on a case-by-case basis, conditions which can typically be covered in return for a premium loading include:

  • Back Pain
  • Non-Alcoholic Fatty Liver Disease
  • Bronchitis
  • High Blood Pressure
  • Adnexitis (various gynae conditions)
  • Anxiety and Depression
  • Menstrual Disorders
  • Type 2 Diabetes
  • Cervical smear abnormalities
  • Knee pain
  • Ovarian Cysts
  • Gastritis
  • Asthma
  • Overweight individuals and Obesity
  • Over and underactive thyroids


When you submit an application for coverage with an insurer who is able to provide pre-existing condition coverage for a loading the underwriting team will evaluate the application’s medical questionnaire and may elect to apply a premium loading to provide coverage for a common pre-existing condition.

It is important to note that while the pre-existing medical conditions listed on this page are eligible for coverage through a higher premium payment, there is no guarantee that a premium loading will be offered to a policyholder – the decision to apply a loading is normally left with the insurance company’s underwriting department.

However, if the insurer elects to offer coverage in exchange for a loading then the policyholder will have a choice of paying a higher premium and receiving protection for the condition under the policy, or keep the pre-loading price (which will be lower) and exclude the condition from coverage under the policy.


At present CCW Global can provide pre-existing condition coverage options through Cigna Global Health Options. We also offer the ability to purchase Cigna coverage directly on this website.

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Free International Health Insurance Quotes

If you would like to receive a free comparison of all the leading international health insurance options best suited to meet your specific requirements, simply complete the short form on this page. Once you have submitted your quotation request an expert CCW Global Insurance broker will contact you directly to further discuss your coverage needs.

You can learn more about our quotation process by clicking Our Health Insurance Quotes. Additionally, should you have any questions about the products or services offered by CCW Global, or if you would like to learn more about insurance for Pre-Existing medical conditions, please Contact Us Today.

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