What are declinable pre-existing conditions?

• AIDS/HIV.
• Alcohol abuse/drug abuse with recent treatment.
• Alzheimer's/dementia.
• Arthritis, fibromyalgia or other inflammatory joint disease.
• Cancer (usually in past decade)
• Cerebral palsy.
• Congestive heart failure.
• Coronary artery/heart disease, bypass surgery.

What is the look back period for pre-existing conditions?

What is a pre-existing medical condition? These 60 to 180 days prior to purchase are known as a lookback period and indicate the number of days an insurance company is allowed to look back at your medical records to determine if your claim is related to a pre-existing medical condition.

What is the 6 24 pre-existing condition exclusion?

A Pre-Existing Condition is excluded from coverage for period of [6-24] months following the Covered Person's Rider Effective Date. If the Covered Person is Diagnosed with a condition listed in this rider that is determined to be a Pre-Existing Condition, no benefit amount is payable for that listed condition.

Is high blood pressure a pre-existing condition?

High blood pressure (also called hypertension) is a common pre-existing medical condition, and can be covered by your policy - but you need to meet the conditions below.

Is obesity a pre-existing condition?

Declinable Pre-existing Conditions

Declinable conditions included AIDS/HIV, congestive heart failure, diabetes, epilepsy, severe obesity, pregnancy, and severe mental disorders.

What medical conditions prevent you from getting life insurance?

Life insurance companies base their decisions to approve or deny coverage on risk. So, there is a chance that you may be denied life insurance if you have an illness like heart disease, cancer, diabetes, or HIV/AIDS. You may also be denied if you have a history of mental illness.

What does 12 months for pre-existing conditions mean?

What is the Waiting Period for Pre-Existing Conditions? Under the Private Health Insurance Act 2007, a health insurer may impose a 12 month waiting period on benefits for hospital treatment for pre-existing conditions.

How long is preexisting conditions?

HIPAA did allow insurers to refuse to cover pre-existing medical conditions for up to the first 12 months after enrollment, or 18 months in the case of late enrollment.

Is a pre-existing condition a diagnosis?

A pre-existing condition is a health issue that required diagnosis or treatment prior to an applicants' enrollment in a health plan.

What are 5 health conditions?

Chronic conditions

Chronic diseases include asthma, heart disease, stroke, diabetes and arthritis. These diseases often can be prevented or controlled keeping risk factors, including high blood pressure, high cholesterol and elevated blood sugar levels, under control.

What are significant medical conditions?

Conditions that are life threatening: (1) cancer, (2) heart disease, (3) stroke, and (4) HIV/AIDS. Conditions that cause serious disability without necessarily being life threatening: (1) stroke, (2) closed head or spinal cord injuries, (3) mental retardation, and (4) congenital malformations.

What is the most common health condition?

The 10 most common health conditions in the United States are heart disease, cancer, chronic lower respiratory diseases, obesity, Alzheimer's, diabetes, substance abuse disorders, the flu, kidney disease, and mental health conditions.

Can you be denied insurance because of weight?

Key takeaways: Under the Affordable Care Act (ACA), health insurance companies can't deny you coverage or charge you higher premiums on the basis of weight. The ACA also requires insurers to cover body mass index (BMI) screening and counseling as preventive care.

What is the new term for morbidly obese?

Because medical providers and their patients understand the word “morbid” differently (medical providers do not find their patients ghoulish), the preferred term is no longer “Morbid Obesity” but is using either “Class III Obesity” or “Severe Obesity.” This allows medical providers to communicate that this excess ...

What is the new medical term for obesity?

In a new position statement, the American Association of Clinical Endocrinologists (AACE) and the American College of Endocrinology (ACE) have replaced the word “obesity” with “Adiposity-Based Chronic Disease” (ABCD).

Does term insurance cover pre-existing conditions?

Pre-existing medical conditions have a impact on your insurance policy application. The insurance provider will ask for you to make a full disclosure of your medical history and obviously details and records of your pre-existing illnesses.

Is Thyroid a pre-existing condition?

All chronic medical diseases, such as high blood pressure, thyroid problems, and diabetes, are considered pre-existing conditions.

Does high blood pressure make you uninsurable?

If you have high blood pressure, you may be wondering if you can still get life insurance. The answer is yes, but your rates may be higher than someone with normal blood pressure.

What is a 3 6 pre-existing condition limitation?

Example: A 3/6 pre-existing clause means that any disabling condition which the Insured received treatment during the 3 months immediately prior to the effective date of coverage is excluded. Once the Insured has been covered for 6 months the pre-existing clause no longer applies.

What is the 3 6 12 pre-existing clause?

Pre-Existing Condition: 3/6/12 Rule: If you are treated for a medical condition 3 months prior to your effective date, it will not be covered unless you are treatment free for 6 consecutive months after your effective date of coverage or after you have been insured and still active at work for 12 consecutive months.

What are common exclusions to continuation?

Common exclusions to continuation of group coverage include: Dental Coverage, Other Prescription Drugs. How would a contingent beneficiary receive the policy proceeds in an Accidental Death and Dismemberment (AD&D) policy? If the Primary Beneficiary dies before the insured.