Pre-existing disease (PED) refers to the diseases or ailments you were suffering from at the time you bought this policy.

Let us clarify further, a “pre-existing disease” is any ailment or condition diagnosed, while (and in some cases before), buying your insurance policy. PEDs can range from serious medical conditions like cancer or diabetes to ailments like blood pressure or allergies.


So, if your doctor diagnoses you with a thyroid disorder or asthma, and prescribed you medication some time back. Then, your health condition – that is, thyroid disorder or asthma  – is a pre-existing condition.