What is a pre-existing condition in insurance policies?
A pre-existing condition is a health issue that existed before the start date of your insurance policy. It includes any condition that was known, diagnosed, or treated prior to your coverage beginning.
How do undiagnosed symptoms relate to pre-existing conditions?
Undiagnosed symptoms that existed before your policy started are considered pre-existing conditions, regardless of whether they were recognized or acknowledged as a specific illness.
Does seeking medical treatment before policy start date qualify as a pre-existing condition?
Yes, any medical treatment you received before the policy began counts as a pre-existing condition. This includes treatments such as medications (prescription or over-the-counter), special diets, injections, or other medical procedures.
Does receiving medical advice before the policy start date count as a pre-existing condition?
Yes, if you sought medical advice before your policy started, including routine check-ups or examinations, the related health issue is considered pre-existing.
If I knew about a condition before my policy started but plan to get treatment later, is it still pre-existing?
Yes, any condition you were aware of before your insurance coverage began is considered pre-existing, even if you plan to receive treatment after the policy is active.
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