What is a bilateral condition?
A bilateral condition is a medical condition that can happen on both sides of the body.
Examples are cruciate ligament issues, slipping knee caps (also known as luxating patella) or joint dysplasia (such as hip or elbow).
Do you cover bilateral conditions?
In general, we do not exclude bilateral conditions from our policies.
If a bilateral condition is diagnosed in both sides of the body at the same time, we will treat this as a single illness.
If the bilateral condition does not affect both sides of the body at the same time, but instead is diagnosed at different times, we will treat those diagnoses as separate illnesses.
In relation to pre-existing conditions, we would not exclude a pre-existing condition bilaterally. Read our definitions of pre-existing condition here. (You can also find out about our exclusive Pre-existing insurance policy here.)