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1. For any pre-existing, chronic conditions and injury before the start date of the policy, the condition has to be studied and can either been covered with or without moratorium, or loading, or excluded.
2. For aged under 65: Health checkup is not required: there is a three month waiting period for specific diseases.
3. For aged 65 and over: 2 choices 
3.1 Health checkup required prior to coverage to determine pre-existing conditions. 
3.2 A six month waiting period prior to coverage for specific diseases.Specific diseases: Hypertension & Cardiovascular Disease, All Tumors, Polyp or Cyst, Hernias, Hemorrhoids, Prostate Disease, Diabetes, Cancer, Cholecystitis, Cholelithiasis, Calculi of the Urinary Organs.