Pre-existing disorder

By pre-existing disorders we mean any illness, accident, pregnancy and delivery that occurred prior to the date of affiliation or whose first objective symptoms appeared prior to that date.

We cannot grant a benefit if the disorder or incapacity for work for which you wish to claim your insurance was diagnosed or stated prior to your affiliation. In case of a disorder or accident, we nevertheless take into account the worsening of your disorder or increase of your degree of incapacity for work when you are affiliated for more than a year and have not been unfit for work during that period due to this pre-existing disorder.

This means that you will not receive a benefit in case of illness or incapacity for work during the first year of affiliation due to a pre-existing disorder.