Genki Resident can cover pre-existing conditions, but each new applicant needs to submit a medical questionnaire when starting the application to report any ongoing and past conditions and treatments and the acceptance of coverage for any reported conditions will depend on the acceptance of the insurer, which is Barmenia.
There are several possible scenarios:
The application might be accepted without any changes in the premium and benefits,
The application might be rejected,
The application might be accepted but with limitations or exclusion of certain conditions.
The application might be accepted, but the premium will increase due to the increased risk posed by a pre-existing condition(s).
Failing to provide correct and complete information in the medical questionnaire might result in the termination of an ongoing contract at the sole insurer's discretion.
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