Expat health covers new medical conditions, accidents or emergencies that first commence after your policy has commenced.

It does not cover pre-existing conditions that were known, treated or diagnosed before the policy commenced.

Therefore, if you first develop a chronic condition after your policy starts, then it would likely be covered.

But if you already have a chronic condition before your policy commences, then it would be considered a pre-existing condition and would not be covered.

If you would like to learn more about expat health insurance or would like to sign up, you can do so here.