The Truth About Pre-Existing Conditions
“Will my dad’s diabetes affect his Super Visa Insurance?”
“My mom had heart surgery years ago is that covered?”
These are questions Indian families in Canada ask us every single day — and for good reason.
Let’s break down how pre-existing conditions work in Super Visa Insurance — with clarity and honesty.
What Are Pre-Existing Conditions?
Any medical condition your parent had before the insurance policy started is considered pre-existing.
This includes:
Diabetes
High blood pressure
Heart disease
Stroke history
Asthma
Cancer
Even if they haven’t had recent symptoms, it still counts.
What Does “Stable” Mean?
Most insurance companies will cover pre-existing conditions only if they’ve been stable for a specific period, typically 90 to 180 days before the policy start date.
Stable =
No new medications
No change in dosage
No new symptoms or hospital visits
No pending tests or treatments
What Coverage Looks Like:
Conditions | Covered If Stable? |
|---|---|
Diabetes | Yes (e.g., no insulin change for 180 days) |
High BP | Yes (if medication hasn’t changed) |
Recent Surgery | Usually NOT covered unless well beyond 180 days |
Active Cancer | Often excluded, or higher premiums apply |
DaddySafe Tip:
When comparing plans on DaddySafe, you can filter for “coverage with pre-existing conditions” and see the required stability period listed.
We take out the guesswork.
Important:
Never hide a pre-existing condition during your application.
It can lead to denied claims when you need help the most.
Honesty = protection.
Final Thought:
Your parents carried you when you were fragile. Now, it’s your turn to ensure they’re safe without loopholes or risks.
Pre-existing conditions don’t mean “no coverage” they just mean smarter planning. And DaddySafe is here to help.
Get your Quote Today : https://daddysafe.ca/quote
Disclaimer:
The information in this blog is intended for general understanding only and may not reflect the specific terms or conditions of all insurance providers. Always refer to the official policy wording or consult your insurance advisor before making any decisions. DaddySafe provides plan comparisons from licensed Canadian providers but does not offer legal or medical advice.
