{"id":7632,"date":"2026-09-28T11:05:07","date_gmt":"2026-09-28T11:05:07","guid":{"rendered":"https:\/\/grupoxandra.eu\/?p=7632"},"modified":"2026-09-28T11:28:05","modified_gmt":"2026-09-28T11:28:05","slug":"bestaande-aandoeningen-bij-een-zorgverzekering-in-spanje","status":"publish","type":"post","link":"https:\/\/grupoxandra.eu\/en\/bestaande-aandoeningen-bij-een-zorgverzekering-in-spanje\/","title":{"rendered":"Existing conditions under a health insurance in Spain: what should you report beforehand?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u201cDo I need to mention that old surgery again? And does a complaint without an official diagnosis count?\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At <strong>existing conditions under a health insurance in Spain<\/strong> Complete and honest answers are essential. The medical questionnaire does not only cover serious diagnoses. Past complaints, examinations, medication and treatments can also be relevant when the insurer asks about them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Having an illness does not automatically mean that your application will be rejected. The insurer assesses each application individually.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Short answer:<\/strong> answer exactly what is asked on the medical questionnaire and, in case of doubt, clarify in writing what you need to report. The possible outcome is full acceptance, additional questions, adapted terms and conditions, exclusion or rejection. Only the insurer can decide that.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-large-font-size wp-block-paragraph\" id=\"wat-betekent-schade-zonder-tegenpartij-1\">In this article<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block has-link-color has-small-font-size wp-elements-1\" id=\"rank-math-toc\"><nav><div><div class=\"\"><a href=\"#wat-is-een-bestaande-aandoening\">What is an existing condition?<\/a><\/div><div class=\"\"><a href=\"#waarom-krijgt-u-een-medische-vragenlijst\">Why are you being given a medical questionnaire?<\/a><\/div><div class=\"\"><a href=\"#wat-moet-u-precies-melden\">What exactly do you need to report?<\/a><\/div><div class=\"\"><a href=\"#is-een-bestaande-aandoening-hetzelfde-als-een-wachttijd\">Is an existing condition the same as a waiting period?<\/a><\/div><div class=\"\"><a href=\"#waarom-mondelinge-geruststelling-niet-genoeg-is\">Why verbal reassurance is not enough<\/a><\/div><div class=\"\"><a href=\"#waarom-tijdig-aanvragen-verstandig-kan-zijn\">Why applying in time can be wise<\/a><\/div><div class=\"\"><a href=\"#samengevat\">Summary<\/a><\/div><div class=\"\"><a href=\"#veelgestelde-vragen\">Frequently Asked Questions<\/a><\/div><\/div><\/nav><\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"wat-is-een-bestaande-aandoening\" class=\"wp-block-heading has-large-font-size\">What is an existing condition?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">By pre-existing condition, an insurer usually means a health condition that existed before the policy was concluded or entered into. Whether existing conditions count depends on the questions the insurer asks and your personal situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At <strong>existing conditions under a health insurance in Spain<\/strong> can count for more than a formally established disease. Depending on the question asked, the following may also be relevant:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>complaints for which you visited a doctor;<\/li>\n\n\n\n<li>medication that you are using or have used;<\/li>\n\n\n\n<li>Previous surgeries or hospital admissions;<\/li>\n\n\n\n<li>ongoing investigations;<\/li>\n\n\n\n<li>recommended or planned treatments;<\/li>\n\n\n\n<li>chronic or recurrent symptoms.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"waarom-krijgt-u-een-medische-vragenlijst\" class=\"wp-block-heading has-large-font-size\">Why are you being given a medical questionnaire?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A private health insurer assesses the risk at the time of the application. To do so, it uses a declaraci\u00f3n de salud or medical questionnaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The assessment of <strong>existing conditions under a health insurance in Spain<\/strong> can lead to:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>acceptance according to the standard conditions;<\/li>\n\n\n\n<li>a request for medical reports or additional explanations;<\/li>\n\n\n\n<li>acceptance with a specific exclusion;<\/li>\n\n\n\n<li>acceptance under modified conditions;<\/li>\n\n\n\n<li>deferment or rejection of the application.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">None of these outcomes automatically follows from a single diagnosis. The nature of the condition, current treatment, stability, the product requested, and the acceptance rules all play a role.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"wat-moet-u-precies-melden\" class=\"wp-block-heading has-large-font-size\">What exactly do you need to report?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">According to the Spanish <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-1980-22501\" target=\"_blank\" rel=\"noopener\">law on the insurance contract <\/a>The applicant must correctly answer the insurer's questions about the risk being assessed. Where possible, provide clear data, diagnoses, medication, and the current situation. If you are unsure of an answer, note it and ask how to complete it correctly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For <strong>existing conditions under a health insurance in Spain<\/strong> It helps to collect your medical information in a clear overview in advance.<\/p>\n\n\n\n<h3 id=\"uw-medische-informatie-voorbereiden\" class=\"wp-block-heading has-medium-font-size\">Prepare your medical information<\/h3>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Subject<\/th><th>What are you noting?<\/th><th>What could be useful?<\/th><\/tr><\/thead><tbody><tr><td>Diagnosis or complaint<\/td><td>What happened, when it started and your current situation<\/td><td>A recent medical report, if you have it<\/td><\/tr><tr><td>Medication<\/td><td>Name, dosage and how often you use it<\/td><td>An up-to-date overview of medications<\/td><\/tr><tr><td>Surgery or hospitalization<\/td><td>Reason, date and recovery<\/td><td>The discharge or operation report<\/td><\/tr><tr><td>Research<\/td><td>Completed, ongoing or planned and the current status<\/td><td>The result or appointment confirmation<\/td><\/tr><tr><td>Treatment or control<\/td><td>Completed, underway or still planned<\/td><td>A recent report from the doctor or specialist<\/td><\/tr><tr><td>Completed questionnaire<\/td><td>Check that all answers are complete and correct<\/td><td>Keep a copy of the final version yourself<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Do not answer more broadly than asked for, but also do not deliberately leave anything out. An incomplete answer could cause discussion later when care is requested.<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image has-custom-border\"><img decoding=\"async\" src=\"https:\/\/grupoxandra.eu\/wp-content\/uploads\/2026\/09\/bestaande-aandoeningen-zorgverzekering-spanje-medische-beoordeling-infographic-3.png\" alt=\"Bestaande aandoeningen zorgverzekering Spanje medische beoordeling infographic\" style=\"border-radius:6px\"\/><\/figure>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"is-een-bestaande-aandoening-hetzelfde-als-een-wachttijd\" class=\"wp-block-heading has-large-font-size\">Is an existing condition the same as a waiting period?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No. These are two different concepts.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Preexistence:<\/strong> a condition or health situation that existed before the insurance and can affect acceptance or coverage.<\/li>\n\n\n\n<li><strong>Shortage:<\/strong> a contractual period after the entry date in which a certain covered benefit cannot yet be used.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">At <strong>existing conditions under a health insurance in Spain<\/strong> An exclusion can remain in effect as long as the policy specifies. A waiting period generally ends after the period specified in the policy. Read our article about <a href=\"https:\/\/grupoxandra.eu\/en\/zorgverzekering-op-tijd-afsluiten-in-spanje\/\">Terminating your health insurance in Spain on time<\/a> for more explanation about this difference.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"waarom-mondelinge-geruststelling-niet-genoeg-is\" class=\"wp-block-heading has-large-font-size\">Why verbal reassurance is not enough<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An intermediary can help you understand the procedure, but the medical acceptance lies with the insurer. Therefore, ask for the final decision and any exclusions in writing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check before signing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>which specific condition is excluded;<\/li>\n\n\n\n<li>either the condition itself or also its consequences are excluded;<\/li>\n\n\n\n<li>which carencias apply;<\/li>\n\n\n\n<li>or whether additional information is still being assessed;<\/li>\n\n\n\n<li>from which date the policy takes effect;<\/li>\n\n\n\n<li>which personal conditions are included in the policy.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">At <strong>existing conditions under a health insurance in Spain<\/strong> Is the text on the policy more important than a general product description?.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"waarom-tijdig-aanvragen-verstandig-kan-zijn\" class=\"wp-block-heading has-large-font-size\">Why applying in time can be wise<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A private health insurance is intended for future risks. Those who wait until an examination, diagnosis, or treatment is already underway may have fewer options.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Applying in a timely manner does not guarantee acceptance. It does give you time to gather information, ask questions, and understand the outcome before you terminate your existing coverage. Never cancel an existing insurance policy before the new application has been accepted in writing and the effective date is determined.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">More information about the base can be found on our page about the <a href=\"https:\/\/grupoxandra.eu\/en\/ziektekostenverzekering\/\">health insurance in Spain<\/a>.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"samengevat\" class=\"wp-block-heading has-large-font-size\">Summary<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At <strong>existing conditions under a health insurance in Spain<\/strong> It\u2019s not about gambling what the insurer considers important. You answer the questions carefully, provide the requested documents, and wait for the written medical assessment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An earlier claim does not automatically mean rejection. However, a new policy also does not automatically cover all care that was necessary or foreseeable before the policy's effective date. Therefore, always check in writing before the effective date which conditions and treatments are and are not covered.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"veelgestelde-vragen\" class=\"wp-block-heading has-large-font-size\">Frequently Asked Questions<\/h2>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Do I have to report an old condition if I no longer have any complaints?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">If the medical questionnaire asks for it, yes. Mention that the treatment has been completed and since when you have been symptom-free. The insurer will assess the information.<\/p>\n<\/details>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Does a complaint without a diagnosis count as an existing condition?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">That is possible. Symptoms, ongoing investigations, or medication may be relevant, even without a definitive diagnosis. Follow the exact question and ask for clarification if in doubt.<\/p>\n<\/details>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Are existing conditions always excluded?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">No. The outcome varies per application, condition, product, and insurer. There may be full acceptance, exclusion, additional assessment, or rejection.<\/p>\n<\/details>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Can an intermediary guarantee my medical acceptance?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">No. Only the insurer makes the medical acceptance decision. An intermediary can explain the process and help check that the documentation is complete.<\/p>\n<\/details>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What happens if I forget information?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Report a mistake or omission as soon as possible and in writing. Do not wait until you need treatment. The insurer determines what consequences the supplement will have.<\/p>\n<\/details>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Can I start using healthcare services while the application is being reviewed?<\/strong><\/summary>\n<p class=\"wp-block-paragraph\">Not based on a policy that has not yet been definitively accepted and entered into. Maintain your existing coverage until the new situation is clear.<\/p>\n<\/details>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"wilt-u-een-aanvraag-zorgvuldig-voorbereiden\" class=\"wp-block-heading has-large-font-size\">Do you want to prepare an application carefully?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you don't have a policy yet and have questions about <strong>existing conditions under a health insurance in Spain<\/strong>GrupoXandra helps Belgians and Dutch people better understand the medical questionnaire, possible outcomes, and policy conditions. The medical decision always remains with the insurer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check our <a href=\"https:\/\/grupoxandra.eu\/en\/ziektekostenverzekering\/\">Health insurance in Spain<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/grupoxandra.eu\/en\/ziektekostenverzekering\/\" style=\"border-radius:30px\">Fill out the form at your convenience.<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">or send an email to <a href=\"mailto:seguros@grupoxandra.eu\">salud@grupoxandra.eu<\/a> for personal advice and more information.<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Answers about existing conditions under a health insurance in Spain: what you have to report, how the assessment works and possible exclusions.<\/p>","protected":false},"author":1,"featured_media":7629,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[47],"class_list":["post-7632","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gezondheid-ziektekosten","tag-verdiepend-artikel"],"_links":{"self":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/posts\/7632","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/comments?post=7632"}],"version-history":[{"count":6,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/posts\/7632\/revisions"}],"predecessor-version":[{"id":7656,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/posts\/7632\/revisions\/7656"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/media\/7629"}],"wp:attachment":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/media?parent=7632"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/categories?post=7632"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/tags?post=7632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}