# Health Insurance for Pre-Existing Conditions

For expats, tourists, and digital nomads with pre-existing conditions, it’s important to understand what limitations insurance policies in Georgia may have.

### **1. What are Pre-Existing Conditions**

- Any condition diagnosed before purchasing a policy is considered pre-existing.
- Includes: chronic illnesses, allergies, diabetes, cardiovascular diseases, and more.

### **2. How This Affects Insurance**

Insurance companies may:

- Exclude coverage for pre-existing conditions.
- Charge an additional premium for the policy.
- Require medical certificates and medical history.

It’s important to clarify terms in advance to avoid denial of coverage when seeking medical care.

### **3. Tips for Choosing a Policy for Pre-Existing Conditions**

- Look for companies with broad coverage for chronic illnesses.
- Consider international policies, which often cover more conditions than local ones.
- Read insurance terms carefully, especially exclusions.
- Compare policies via the [plan comparison table](https://bigmed.ge/insurance/compare).

### **4. Useful Internal Links**

- General FAQ: [FAQ on insurance](https://bigmed.ge/insurance/faq)
- For expats: [Best for expats](https://bigmed.ge/insurance/guides/for-expats)
- **For tourists:** [Best for tourists](https://bigmed.ge/insurance/guides/for-tourists)
- For Digital Nomads**:** [Best for Digital Nomads](https://bigmed.ge/insurance/guides/for-digital-nomads)
- Local vs International: [Plan comparison](https://bigmed.ge/insurance/guides/local-vs-international)
- Step-by-step guide: [How to use insurance](https://bigmed.ge/insurance/guides/how-to-use-insurance)

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Canonical: https://bigmed.ge/en/insurance/guides/pre-existing-conditions
Country: Georgia (GE), the country in the South Caucasus
Published: 2026-03-04T20:35:12+04:00
Updated: 2026-03-04T21:11:40+04:00