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Chronic Conditions

What defines a chronic condition and what makes them some of the most common, costly and preventable medical issues.

A chronic condition is defined as: a disease or illness that is continuous over an extended period of time or more commonly remains with you indefinitely. A chronic condition can be non-life threatening, such as allergies, or life threatening, such as cardiovascular problems. Chronic Conditions are among some of the most common, costly, and preventable of all medical issues. 

Chronic conditions are more prevalent in adults. If you are an older person it is recommended that you purchase an insurance plan that covers the treatment of chronic conditions. Some Medical Insurance plans will not cover chronic conditions, while other plans have a lifetime or annual limit on claims. If a plan covers chronic conditions it is more likely to have higher premiums than one that doesn't. 

In the case that you have already developed a chronic condition, refer to your policy for coverage information. Many insurers will not cover Pre-existing conditions; it is advisable to have a policy in place before you develop a potentially costly illness.

Examples of a Chronic Condition are:

  • Asthma

  • Diabetes

  • Osteoporosis

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