{"id":1352,"date":"2017-03-29T13:23:33","date_gmt":"2017-03-29T11:23:33","guid":{"rendered":"https:\/\/www.namfisa.com.na\/educates\/?post_type=right_responsibility&p=1352"},"modified":"2025-07-16T12:12:00","modified_gmt":"2025-07-16T10:12:00","slug":"effects-of-non-disclosure-of-pre-existing-medical-conditions","status":"publish","type":"post","link":"https:\/\/www.namfisa.com.na\/educates\/effects-of-non-disclosure-of-pre-existing-medical-conditions\/","title":{"rendered":"Effects of Non-Disclosure of Pre-Existing Medical Conditions"},"content":{"rendered":"\t\t
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Pre-Existing Conditions and Insurance:<\/h3><\/span><\/div>
Pre-existing conditions are medical conditions that existed before an insurance policy was\ntaken out. Insurers usually exclude claims arising from pre-existing conditions, because\ninsurance policies are intended to cover unexpected occurrences.\nPre-existing conditions could be an injury, illness, sickness, disease, or other physical,\nmedical, mental or nervous condition, disorder or ailment that with reasonable medical\ncertainty, existed at the time of application or at any time during the number of years prior\nto effective date of insurance.

\nProblems can arise either because the consumer is unaware of the exclusion or warranty;\nor if they are aware, they do not understand what it means in practice or are unsure about\nwhat, if anything, they need to declare. <\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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For example:<\/h5><\/div>
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  • <\/span>Should they tell the insurer about the bad back they suffered six years previously?<\/li>
  • <\/span>What about the medication their doctor has prescribed for high cholesterol?<\/li>
  • <\/span>Does it make any difference that their father has had heart problems for many years?<\/li><\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    <\/h3><\/span><\/div>
    A consequence of not disclosing pre-existing medical conditions or making false or\nmisleading disclosure is that the applicant (or other claimant) will not be entitled to\ncompensation or to seek damages for any event that aggravates the pre-existing injury or\nmedical condition. This will mean that the policy holder would have wasted a lot of money\nin paying monthly or annual premiums.\nThe important thing for any consumer taking out an insurance policy is to declare any preexisting\nmedical condition he or she may have or suffer from.<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    <\/h3><\/div>
    NAMFISA Complaints Department: (061) 290 5000 (main) or 290 5133 (Ms Marina K.\nIshidhimba) or 290 5207 (Ms Hilka Alberto), Fax: (061) 290 5122; for online complaints\nemail complaints@namfisa.com.na; visit www.namfisa.com.na or visit us on the: 6th\nFloor, Alexander Forbes House, 154 Independence Avenue, Windhoek.\n* NAMFISA treats all information obtained from the public\nwith confidentiality.\nIssued by:\nPhillip N. Shiimi\nREGISTRAR: LONG AND SHORT-TERM INSURANCE<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

    Pre-Existing Conditions and Insurance: Pre-existing conditions are medical conditions that existed before an insurance policy was taken out. Insurers usually exclude claims arising from pre-existing conditions, because insurance policies are<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"footnotes":""},"categories":[425],"tags":[],"class_list":["post-1352","post","type-post","status-publish","format-standard","hentry","category-rights-and-responsibilities"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/posts\/1352","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/comments?post=1352"}],"version-history":[{"count":9,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/posts\/1352\/revisions"}],"predecessor-version":[{"id":35467,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/posts\/1352\/revisions\/35467"}],"wp:attachment":[{"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/media?parent=1352"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/categories?post=1352"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.namfisa.com.na\/educates\/wp-json\/wp\/v2\/tags?post=1352"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}