If you have any of the following conditions, you will not be able to take out the insurance:
Malignant tumors; chronic degenerative diseases such as: late complications of diabetes mellitus; hoarding diseases (Gaucher disease); chronic liver diseases; chronic renal failure; heart valve disease; heart failure; sequelae of ischemic heart disease (arrhythmia, angina or myocardial infarction); chronic obstructive pulmonary disease with respiratory failure; chronic systemic diseases of the connective tissue; addictions such as alcoholism and other drug addictions; mental disorders such as psychosis and dementia.
Congenital diseases; acquired immunodeficiency syndrome or positive Human Acquired Immunodeficiency Virus (HIV).