Asthma Cover Private Medical Insurance

Private health insurance options for people with asthma vary by insurer. Mild, well-controlled asthma is accepted by some providers, while moderate or severe asthma is often excluded or placed under a moratorium. Pre-existing asthma is not generally covered for treatment, though new unrelated conditions can usually be covered.

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How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

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How Asthma Is Treated By Insurers

Underwriting outcomes vary depending on severity, control and medical history.

Pre-Existing Asthma

Existing asthma is typically excluded under both moratorium and full medical underwriting. Some insurers will reconsider exclusions after a symptom-free and medication-free period, so terms differ between providers and a broker compares each insurer's stance on the individual case.

New Respiratory Conditions

Conditions unrelated to existing asthma, such as a new respiratory infection requiring specialist input, can usually be covered if they arise after the policy begins. Cover includes consultations, diagnostics and treatment where clinically appropriate, subject to policy benefit limits.

Underwriting Options

Most insurers use moratorium or full medical underwriting. Each weighs asthma severity, age and control differently, so quotes can vary widely. Comparing insurers helps identify those most likely to accept the application on competitive terms for the applicant's profile.