Health insurance and pre-existing conditions

Hi - I'm new to this site... i am a 51 yr old canadian, recently had mastectomy for DCIS (non-invasive). I was planning to come to Germany to live with german BF until our divorces are final. Then I was diagnosed etc. Our residence is settled- near Munich, BF has amazing job with government, I have extensive savings etc-I am planning on the "attending language school route to start - then try and get entrance to University - if not I hope that we can be married in 1.5yrs,,,

All recovered now and looking into the health insurance issue.
I assume that the health insurance (if I can get it),will say that they don't cover any Pre-existing conditions.
1. any good suggestions on which would be a good company to apply to? can I get a residence permit - I would assume that my health status would be "all healthy" which apparently I am.
2. what would happen if I had an emergency regarding my pre-existing condition - would I be turned away for treatment?
3. If I needed follow up surgery - would I have to pay cash to get treated?
just wondering if anyone else has any experience with pre-existing conditions.
thanks so much for any advice you can forward...
muskokaGirl

You should take advice from one of the insurance agents listed on the Health Insurance wiki page. Good luck.

When I was looking at insurance, all the companies I looked into didn't want to exclude any pre existing conditions. Instead, they wanted to either charge a higher premium and have them covered, or just not cover me at all. I had an operation on my thumb cause I snapped a tendon and one place turned me away because of that. I got one in the end that didn't care about it, but that would probably be different in your case.

Make sure you get offers from more that one insurance company. Sometimes Agents only work for one company and the prices between companies may be really different. I recently swapped saving myself 100 EUR a month.

I also had pre-existing condition (slipped disk). I have that covered in my insurance contract and I have to pay higher premium due to higher risk. My health treatments regardig slipped disk are covered though.
Some companies may refuse to insure you (as happened to me).
I'm curently insured with AXA.

Try IMG Europe.They include pre-existing conditions after 2 years´cover. Non-German insurers are (still)allowed here for foreign non-employees. Very little chance of a German company accepting you as their health questions go back 5-10 years and you would have to go for a medical check-up anyway.All the best!