{"id":30147,"date":"2026-04-21T18:40:44","date_gmt":"2026-04-21T10:40:44","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=30147"},"modified":"2026-04-21T22:01:17","modified_gmt":"2026-04-21T14:01:17","slug":"pre-existing-conditions-health-insurance-brazil","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html","title":{"rendered":"Pre-Existing Conditions and Health Insurance in Brazil"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Foreigners residing in Brazil who have pre-existing health conditions can get medical coverage through flexible health insurance providers. To get the right coverage, it is crucial that applicants honestly divulge any and all health conditions they may have.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you an expat in Brazil who has a pre-existing health condition? Do you still need to find health insurance to cover your bills?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article will explain what a pre-existing condition is, what each kind of condition typically receives coverage for, which international expat providers are flexible with pre-existing conditions, and much more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Next, you\u2019ll want to learn about your <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/americas\/brazil-health-insurance-pacific-prime-international\/\"><span style=\"font-weight: 400;\">health insurance options in Brazil as an expat<\/span><\/a><span style=\"font-weight: 400;\"> and who the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-brazil-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">top 10 health insurance companies in Brazil are for expats<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read our ultimate guide on SUS, private, and international health insurance options for expats in Brazil as you seek coverage.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Counts as a Pre-Existing Condition in Brazil?<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-30151 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sunlit-fortaleza-skyline-with-coastal-towers-along-cearas-shoreline.webp\" alt=\"Image of Sunlit Fortaleza Skyline With Coastal Towers Along Cear\u00e1\u2019s Shoreline with text overlay of &quot;What Counts as a Pre-Existing Condition in Brazil?&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sunlit-fortaleza-skyline-with-coastal-towers-along-cearas-shoreline.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sunlit-fortaleza-skyline-with-coastal-towers-along-cearas-shoreline-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sunlit-fortaleza-skyline-with-coastal-towers-along-cearas-shoreline-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sunlit-fortaleza-skyline-with-coastal-towers-along-cearas-shoreline-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sunlit-fortaleza-skyline-with-coastal-towers-along-cearas-shoreline-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">In Brazil, <\/span><b>a pre-existing condition<\/b><span style=\"font-weight: 400;\"> refers to <\/span><b>any illness, injury, or health condition diagnosed or treated before enrolling in a health insurance plan<\/b><span style=\"font-weight: 400;\">. Insurers evaluate medical history carefully because these conditions may trigger waiting periods or underwriting restrictions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Brazilian insurers typically classify pre-existing conditions using medical records, prescription histories, or previous diagnoses. Even conditions managed successfully for years can still qualify as pre-existing when applying for new coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Common conditions considered pre-existing include chronic diseases, previous surgeries, ongoing treatments, and mental health disorders. Some insurers also review symptoms that appeared before enrollment, even if the official diagnosis came later.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some examples of what may count as a \u201cpre-existing condition\u201d:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Chronic Illnesses:<\/b><span style=\"font-weight: 400;\"> Long-term medical conditions such as diabetes, asthma, hypertension, or autoimmune diseases typically qualify as pre-existing conditions because they require continuous monitoring or medication.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Previous Surgeries:<\/b><span style=\"font-weight: 400;\"> Medical procedures completed before enrollment may count as pre-existing factors, especially if complications or follow-up treatments are likely.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mental Health Disorders:<\/b><span style=\"font-weight: 400;\"> Diagnosed depression, anxiety disorders, bipolar disorder, and similar conditions are frequently classified as pre-existing when applying for private coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pregnancy History:<\/b><span style=\"font-weight: 400;\"> Prior pregnancy complications, fertility treatments, or related medical conditions can also affect underwriting decisions with Brazilian insurers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ongoing Medication Use:<\/b><span style=\"font-weight: 400;\"> Prescriptions taken regularly for chronic conditions may signal a pre-existing medical issue during underwriting review.<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Brazilian Law: ANS Regulations<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Brazilian law regulates pre-existing conditions through the<\/span><a href=\"https:\/\/www.inahta.org\/members\/ans\/\"><span style=\"font-weight: 400;\"> National Supplementary Health Agency (ANS)<\/span><\/a><span style=\"font-weight: 400;\">, which allows insurers to impose<\/span><b> a temporary 24-month restriction<\/b><span style=\"font-weight: 400;\"> known as Partial Temporary Coverage (CPT) rather than fully denying coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This regulation applies to Brazilian private health insurance plans and ensures patients can still enroll even with serious medical conditions. However, coverage for certain treatments may be restricted during the waiting period.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Typical waiting periods regulated by ANS include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>24 Hours For Emergencies:<\/b><span style=\"font-weight: 400;\"> Emergency and urgent care becomes available one day after the policy begins.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>180 Days For General Care:<\/b><span style=\"font-weight: 400;\"> Consultations, exams, and routine treatments usually require a six-month waiting period.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>300 Days for Childbirth:<\/b><span style=\"font-weight: 400;\"> Pregnancy and delivery coverage normally begin after approximately ten months.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>24 Months for Pre-Existing Conditions:<\/b><span style=\"font-weight: 400;\"> Complex procedures related to declared conditions may be delayed during CPT.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Health Insurance Coverage: By Pre-Existing Condition Type<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Expats in Brazil with pre-existing conditions can still find health insurance, but eligibility and coverage terms vary widely depending on the specific medical condition, severity, and insurer underwriting policies.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many international and local insurers accept controlled or stable conditions while applying waiting periods or exclusions for higher-risk illnesses. Understanding how insurers assess different conditions helps expats choose plans with the highest approval chances.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are common conditions expats frequently disclose during international health insurance applications.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Diabetes:<\/b><span style=\"font-weight: 400;\"> Many international insurers accept well-managed Type 2 diabetes with stable blood sugar levels. Coverage often includes consultations, medication, and monitoring, though premiums may increase depending on complication risk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hypertension:<\/b><span style=\"font-weight: 400;\"> Controlled high blood pressure is commonly approved with minimal restrictions when applicants demonstrate consistent treatment and no major cardiovascular complications.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Asthma:<\/b><span style=\"font-weight: 400;\"> Mild or moderate asthma typically receives coverage if symptoms are stable and hospitalizations are rare.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>High Cholesterol:<\/b><span style=\"font-weight: 400;\"> Elevated cholesterol levels are usually accepted by insurers when managed with medication and lifestyle adjustments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Thyroid Disorders:<\/b><span style=\"font-weight: 400;\"> Hypothyroidism and hyperthyroidism are often covered when stabilized through medication and regular monitoring.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Depression and Anxiety:<\/b><span style=\"font-weight: 400;\"> Many international insurers provide mental health coverage if the condition is stable and does not require recent hospitalization.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Arthritis:<\/b><span style=\"font-weight: 400;\"> Osteoarthritis and similar joint conditions may be accepted with exclusions on joint replacement surgeries during early coverage periods.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Allergies:<\/b><span style=\"font-weight: 400;\"> Chronic allergy conditions usually qualify for coverage unless they involve severe immune disorders.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sleep Apnea:<\/b><span style=\"font-weight: 400;\"> Mild sleep apnea managed with a CPAP machine may be accepted by insurers after medical review.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Heart Disease:<\/b><span style=\"font-weight: 400;\"> Coverage for heart conditions depends heavily on medical history, treatment status, and time since the last cardiac event.<\/span><\/li>\n<\/ol>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-79' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner International - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Recommended International Health Insurance Plans\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Flexible Insurers Who Cover Pre-Existing Conditions<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Several international insurers that partner with Pacific Prime offer flexible underwriting policies that may cover stable pre-existing conditions for expatriates living in Brazil. These include <\/span><b>Cigna Global, AXA Global, Bupa, Allianz Care, BlueCross and BlueShield, <\/b><span style=\"font-weight: 400;\">and <\/span><b>William Russell<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These insurers often specialize in expatriate healthcare coverage and evaluate each applicant individually rather than automatically rejecting applicants with medical histories.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Examples of <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/\"><span style=\"font-weight: 400;\">international insurers<\/span><\/a><span style=\"font-weight: 400;\"> known for flexible underwriting include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><b>Cigna Global<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> Offers customizable international health plans and may cover stable conditions after medical underwriting review.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><b>AXA Global Healthcare<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> Provides expatriate health insurance with options for covering controlled chronic conditions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\"><b>Bupa Global<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> One of the largest international insurers, often covering long-term managed conditions through tailored underwriting decisions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><b>Allianz Care<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> Provides global medical plans with strong chronic condition management programs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><b>BlueCross BlueShield<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> Offers international health insurance options designed specifically for expatriates and global professionals.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/william-russell\/\"><b>William Russell<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> Known for flexible underwriting and coverage options for individuals with mild or controlled conditions.<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/international-insurance-why-use-a-broker.html\"><span style=\"font-weight: 400;\">Working with an international broker<\/span><\/a><span style=\"font-weight: 400;\"> such as Pacific Prime can improve approval chances because brokers compare insurers and match applicants with providers more likely to accept their medical history.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">International Health Insurance Disclosures: Explained<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">International health insurers require applicants to disclose all known medical conditions during the underwriting process. This disclosure allows insurers to determine<\/span><b> eligibility, waiting periods, premiums, <\/b><span style=\"font-weight: 400;\">or <\/span><b>possible coverage exclusions<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Accurate disclosure protects policyholders because undisclosed conditions may invalidate claims later. Insurers typically verify information using medical questionnaires, physician reports, or prescription history checks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Key disclosure components often include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Detailed Medical Questionnaires:<\/b><span style=\"font-weight: 400;\"> Applications typically ask about diagnoses, symptoms, medications, surgeries, and hospitalizations within the past five to ten years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Doctor Reports:<\/b><span style=\"font-weight: 400;\"> Insurers sometimes request medical records or physician statements to confirm the stability and management of a disclosed condition.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Medication History:<\/b><span style=\"font-weight: 400;\"> Current prescriptions help insurers understand treatment frequency and condition severity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Follow-Up Monitoring:<\/b><span style=\"font-weight: 400;\"> Some insurers may request periodic updates on chronic conditions during the policy\u2019s early years.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Moratorium vs Full Underwriting<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">International insurers generally use two underwriting methods for pre-existing conditions: <\/span><b>moratorium underwriting <\/b><span style=\"font-weight: 400;\">or <\/span><b>full medical underwriting<\/b><span style=\"font-weight: 400;\">, each affecting how and when conditions may be covered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Understanding these underwriting approaches helps expats select policies that align with their medical history and expected healthcare needs in Brazil.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Moratorium Underwriting:<\/b><span style=\"font-weight: 400;\"> This method temporarily excludes treatment for conditions that existed before the policy began. If the condition remains symptom-free for a set period, coverage may later be restored.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Full Medical Underwriting:<\/b><span style=\"font-weight: 400;\"> The insurer reviews the applicant\u2019s complete medical history before issuing the policy and decides whether to cover, exclude, or apply premium adjustments.<\/span><\/li>\n<\/ol>\n<h3><span style=\"font-weight: 400;\">Non-Disclosure Consequences: What Happens if You Lie<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Failing to disclose a pre-existing condition when applying for health insurance can result in <\/span><b>claim denial, policy cancellation, <\/b><span style=\"font-weight: 400;\">or <\/span><b>loss of coverage entirely<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurers take non-disclosure seriously because underwriting decisions rely on accurate medical information. When undisclosed conditions are discovered during claims processing, insurers may retroactively cancel coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Common consequences include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Claim Rejection:<\/b><span style=\"font-weight: 400;\"> The insurer may refuse to pay medical expenses related to the undisclosed condition.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Policy Cancellation:<\/b><span style=\"font-weight: 400;\"> Insurers may terminate coverage after identifying false or incomplete medical information.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Retroactive Void Policies:<\/b><span style=\"font-weight: 400;\"> Some policies may be voided from the start date, meaning all claims become the policyholder\u2019s responsibility.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Difficulty Getting Future Coverage:<\/b><span style=\"font-weight: 400;\"> A history of non-disclosure can complicate applications with other insurers later.<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">SUS for Pre-Existing Conditions in Brazil: Last Resort<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Brazil\u2019s public healthcare system, <a href=\"https:\/\/www.pacificprime.com\/blog\/sus-brazil-public-healthcare-expats.html\">Sistema \u00danico de Sa\u00fade (SUS)<\/a>, provides treatment for pre-existing conditions regardless of medical history, insurance status, or income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While <\/span><a href=\"https:\/\/www.gov.br\/saude\/pt-br\/sus#:~:text=abrangendo%20desde%20o%20simples%20atendimento,p%C3%BAblico%20de%20sa%C3%BAde%2C%20sem%20discrimina%C3%A7%C3%A3o.\"><span style=\"font-weight: 400;\">SUS<\/span><\/a><span style=\"font-weight: 400;\"> guarantees universal healthcare access, many expats treat it as a backup option due to long wait times, limited specialist availability, and overcrowded public hospitals in major cities.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Key aspects of SUS include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Universal Coverage:<\/b><span style=\"font-weight: 400;\"> All residents in Brazil can access public healthcare services, including treatment for chronic or pre-existing conditions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No Medical Underwriting:<\/b><span style=\"font-weight: 400;\"> SUS does not evaluate health history or deny treatment based on existing conditions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Long Wait Times:<\/b><span style=\"font-weight: 400;\"> Non-urgent procedures and specialist appointments often involve waiting periods that can exceed several months.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regional Quality Differences:<\/b><span style=\"font-weight: 400;\"> Healthcare quality varies significantly depending on city infrastructure and hospital funding levels.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Because of these limitations, many expats still seek private or international insurance coverage to ensure faster access to specialists, advanced diagnostics, and private hospital networks.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion: Get Honest Coverage Advice<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Securing health insurance in Brazil with a pre-existing condition often depends on finding the insurer whose underwriting guidelines best match your medical history. Comparing quotes from multiple insurers helps expats identify plans that offer the most flexible coverage terms and reasonable costs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Luckily, <\/span><a href=\"https:\/\/www.pacificprime.com\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> can make that step easier. We are an international health insurance brokerage with over 20 years of experience helping over a million and a half expatriates just like you secure healthcare coverage globally.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Utilize our exceptional <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">online database<\/span><\/a><span style=\"font-weight: 400;\"> that features<\/span><b> over 50,000 expat-focused health insurance plans<\/b><span style=\"font-weight: 400;\"> to begin comparing benefits, plans, quotes, and more! It\u2019s a free resource anyone can use, and you won\u2019t want to miss!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you\u2019re ready to speak to an international insurance expert and find the plan that\u2019s best for you, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact our team online<\/span><\/a><span style=\"font-weight: 400;\"> or call +852-3113-1331.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We recommend expats and foreign citizens living in Brazil reference the following links:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/family-health-insurance-brazil-expats.html\"><span style=\"font-weight: 400;\">Family Health Insurance in Brazil: Coverage for Expat Families<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/sus-brazil-public-healthcare-expats.html\"><span style=\"font-weight: 400;\">SUS Healthcare in Brazil: Free Public Healthcare for Expats<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/cost-of-living-in-brazil.html\"><span style=\"font-weight: 400;\">The Cost of Living in Brazil<\/span><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Foreigners residing in Brazil who have pre-existing health conditions can get medical coverage through flexible health insurance providers. To get the right coverage, it is crucial that applicants honestly divulge any and all health conditions they may have. Are you an expat in Brazil who has a pre-existing health condition? Do you still need to &#8230;<\/p>\n","protected":false},"author":54,"featured_media":30149,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-30147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pre-Existing Conditions and Health Insurance in Brazil<\/title>\n<meta name=\"description\" content=\"Learn what a pre-existing condition is, how it\u2019s coverage, which providers are flexible with pre-existing conditions, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pre-Existing Conditions and Health Insurance in Brazil\" \/>\n<meta property=\"og:description\" content=\"Learn what a pre-existing condition is, how it\u2019s coverage, which providers are flexible with pre-existing conditions, and more.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime&#039;s Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pacificprime\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-21T10:40:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-21T14:01:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/urban-streets-linking-rio-neighborhoods-to-the-coastline-with-beach-in-view.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1244\" \/>\n\t<meta property=\"og:image:height\" content=\"700\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Serena Fung\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Serena Fung\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-health-insurance-brazil.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-health-insurance-brazil.html\"},\"author\":{\"name\":\"Serena Fung\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/28ca51ef3d01177132923253f8b13623\"},\"headline\":\"Pre-Existing Conditions and Health Insurance in Brazil\",\"datePublished\":\"2026-04-21T10:40:44+00:00\",\"dateModified\":\"2026-04-21T14:01:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-health-insurance-brazil.html\"},\"wordCount\":1672,\"publisher\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-health-insurance-brazil.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/urban-streets-linking-rio-neighborhoods-to-the-coastline-with-beach-in-view.webp\",\"articleSection\":[\"Expat Insurance\",\"Health\"],\"inLanguage\":\"en\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-health-insurance-brazil.html\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-health-insurance-brazil.html\",\"name\":\"Pre-Existing Conditions and Health Insurance in Brazil\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-health-insurance-brazil.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-health-insurance-brazil.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/urban-streets-linking-rio-neighborhoods-to-the-coastline-with-beach-in-view.webp\",\"datePublished\":\"2026-04-21T10:40:44+00:00\",\"dateModified\":\"2026-04-21T14:01:17+00:00\",\"description\":\"Learn what a pre-existing condition is, how it\u2019s coverage, which providers are flexible with pre-existing conditions, and more.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-health-insurance-brazil.html#breadcrumb\"},\"inLanguage\":\"en\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-health-insurance-brazil.html\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-health-insurance-brazil.html#primaryimage\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/urban-streets-linking-rio-neighborhoods-to-the-coastline-with-beach-in-view.webp\",\"contentUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/urban-streets-linking-rio-neighborhoods-to-the-coastline-with-beach-in-view.webp\",\"width\":1244,\"height\":700,\"caption\":\"Image of Urban Streets Linking Rio Neighborhoods To The Coastline With Beach In View with text overlay of \\\"Pre-Existing Conditions and Health Insurance in Brazil\\\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/pre-existing-conditions-health-insurance-brazil.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pre-Existing Conditions and Health Insurance in Brazil\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\",\"name\":\"Pacific Prime's Blog\",\"description\":\"The Lighter Side Of Health Insurance\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\",\"name\":\"Pacific Prime\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/PP_logo-nonSlogan_blue-nonOutline.png\",\"contentUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/PP_logo-nonSlogan_blue-nonOutline.png\",\"width\":3314,\"height\":999,\"caption\":\"Pacific Prime\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/pacificprime\",\"https:\\\/\\\/x.com\\\/ThePacificPrime\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/pacific-prime\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/28ca51ef3d01177132923253f8b13623\",\"name\":\"Serena Fung\",\"description\":\"Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog. Serena earned her Bachelor\u2019s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it\u2019s cognitive psychology!). Her previous work experience includes teaching toddlers to read, writing for a travel\\\/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/serena-fung-849902126\\\/\"],\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/author\\\/serena\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pre-Existing Conditions and Health Insurance in Brazil","description":"Learn what a pre-existing condition is, how it\u2019s coverage, which providers are flexible with pre-existing conditions, and more.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html","og_locale":"en_US","og_type":"article","og_title":"Pre-Existing Conditions and Health Insurance in Brazil","og_description":"Learn what a pre-existing condition is, how it\u2019s coverage, which providers are flexible with pre-existing conditions, and more.","og_url":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html","og_site_name":"Pacific Prime&#039;s Blog","article_publisher":"https:\/\/www.facebook.com\/pacificprime","article_published_time":"2026-04-21T10:40:44+00:00","article_modified_time":"2026-04-21T14:01:17+00:00","og_image":[{"width":1244,"height":700,"url":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/urban-streets-linking-rio-neighborhoods-to-the-coastline-with-beach-in-view.webp","type":"image\/webp"}],"author":"Serena Fung","twitter_misc":{"Written by":"Serena Fung","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html#article","isPartOf":{"@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html"},"author":{"name":"Serena Fung","@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/person\/28ca51ef3d01177132923253f8b13623"},"headline":"Pre-Existing Conditions and Health Insurance in Brazil","datePublished":"2026-04-21T10:40:44+00:00","dateModified":"2026-04-21T14:01:17+00:00","mainEntityOfPage":{"@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html"},"wordCount":1672,"publisher":{"@id":"https:\/\/www.pacificprime.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/urban-streets-linking-rio-neighborhoods-to-the-coastline-with-beach-in-view.webp","articleSection":["Expat Insurance","Health"],"inLanguage":"en"},{"@type":"WebPage","@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html","url":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html","name":"Pre-Existing Conditions and Health Insurance in Brazil","isPartOf":{"@id":"https:\/\/www.pacificprime.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html#primaryimage"},"image":{"@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html#primaryimage"},"thumbnailUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/urban-streets-linking-rio-neighborhoods-to-the-coastline-with-beach-in-view.webp","datePublished":"2026-04-21T10:40:44+00:00","dateModified":"2026-04-21T14:01:17+00:00","description":"Learn what a pre-existing condition is, how it\u2019s coverage, which providers are flexible with pre-existing conditions, and more.","breadcrumb":{"@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html#breadcrumb"},"inLanguage":"en","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html"]}]},{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html#primaryimage","url":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/urban-streets-linking-rio-neighborhoods-to-the-coastline-with-beach-in-view.webp","contentUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/urban-streets-linking-rio-neighborhoods-to-the-coastline-with-beach-in-view.webp","width":1244,"height":700,"caption":"Image of Urban Streets Linking Rio Neighborhoods To The Coastline With Beach In View with text overlay of \"Pre-Existing Conditions and Health Insurance in Brazil\""},{"@type":"BreadcrumbList","@id":"https:\/\/www.pacificprime.com\/blog\/pre-existing-conditions-health-insurance-brazil.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.pacificprime.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Pre-Existing Conditions and Health Insurance in Brazil"}]},{"@type":"WebSite","@id":"https:\/\/www.pacificprime.com\/blog\/#website","url":"https:\/\/www.pacificprime.com\/blog\/","name":"Pacific Prime's Blog","description":"The Lighter Side Of Health Insurance","publisher":{"@id":"https:\/\/www.pacificprime.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pacificprime.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en"},{"@type":"Organization","@id":"https:\/\/www.pacificprime.com\/blog\/#organization","name":"Pacific Prime","url":"https:\/\/www.pacificprime.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en","@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/PP_logo-nonSlogan_blue-nonOutline.png","contentUrl":"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/PP_logo-nonSlogan_blue-nonOutline.png","width":3314,"height":999,"caption":"Pacific Prime"},"image":{"@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/pacificprime","https:\/\/x.com\/ThePacificPrime","https:\/\/www.linkedin.com\/company\/pacific-prime\/"]},{"@type":"Person","@id":"https:\/\/www.pacificprime.com\/blog\/#\/schema\/person\/28ca51ef3d01177132923253f8b13623","name":"Serena Fung","description":"Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog. Serena earned her Bachelor\u2019s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it\u2019s cognitive psychology!). Her previous work experience includes teaching toddlers to read, writing for a travel\/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.","sameAs":["https:\/\/www.linkedin.com\/in\/serena-fung-849902126\/"],"url":"https:\/\/www.pacificprime.com\/blog\/author\/serena"}]}},"_links":{"self":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts\/30147","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/users\/54"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/comments?post=30147"}],"version-history":[{"count":4,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts\/30147\/revisions"}],"predecessor-version":[{"id":30170,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/posts\/30147\/revisions\/30170"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/media\/30149"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/media?parent=30147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/categories?post=30147"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.com\/blog\/wp-json\/wp\/v2\/tags?post=30147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}