A pre-existing condition is a health condition (for example, pregnancy), that exists before the contract is issued, regardless of the fact that the condition has been diagnosed by a doctor. Unless stated otherwise on the policy, cover for all pre-existing conditions are excluded on the insurance policy. All pre-exisitng conditions must be declared on the health application form, any kind of lesion, congenital disease, birth defect or anomaly, any illness, pending medical tests, treatments or even syndromes that could be considered as the starts of a pathological condition.