Medical Conditions Offer List

This list is used by brokers to quickly reference your existing condition insurability.

Do note that everyone's medical risk is unique; just because one person was approved or denied, does not mean you will be. They will look at your entire medical history, body mass index (bmi), age, and current risk tolerance of the portfolio before making an offer.

Automatic Denials - If an insurer sees one of these conditions, they may reject the application fully:

• Diabetes type 1

• BMI > 35

• Clinical Depression

• Other psychological conditions

Partial Coverage Offers - If you have one of these conditions, here is what has been requested in the past of clients, and what offer they received.

High Blood Pressure / Cardio

Required: Recent blood lipid profile, EKG, and cardio statement filed by doctor

Offers: Cardio Exclusion, or increased separate deductible for cardio, or policy surcharge

Thyroid

Required: Prescription if taking any medical and history of condition

Offers: Thyroid exclusion

Diabetes Type 2

Required:

Offers: Cardio and diabetes exclusion

Minor Depression

Heart Stent

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Last reviewed May 2026. For help with your own policy, contact Expat Insurance through the help center so our team can review your situation.