Defining Pre-Existing Conditions

You may have heard of the term. A Pre-existing Condition is any illness or ailment that you’ve been diagnosed with and treated for over a specific period of time. This diagnose has to be made a licensed medical practitioner, and is accorded a time frame. The time frame varies, according to you insurance provider, from a year to 24 months. Moreover, any illness that is diagnosed within a specific time frame after your coverage starts may also be considered as a pre-existing condition. This is if the doctor determines that your illness may have started even before your coverage, and may or may not have manifested its symptoms already. In some cases, illnesses that are considered as genetically hereditary (such as asthma) may also be considered a pre-existing condition.

As the insured, you should know that any claims or consultations for this condition is usually not covered by the insurance company. It’s a necessary protection for the insurance company, and a way to keep premiums down.