What is a medical condition that existed prior to new health insurance coverage?

What is an example of a pre-existing condition that may affect insurance?

A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.

What do you call pre-existing conditions?

A pre-existing condition is defined as any ailment, illness, or condition where, in the opinion of a medical adviser appointed by the health insurer, the signs or symptoms of that illness, ailment or condition existed at any time in the period of 6 months ending on the day on which the person became insured under the ...

What are my pre-existing conditions?

A pre-existing condition is any condition you had before your policy started. A chronic condition is something that is on-going and that has no known cure. Asthma, arthritis and diabetes are examples of chronic conditions.

Is high cholesterol a pre-existing condition?

Does high cholesterol count as a pre-existing medical condition? Yes. High cholesterol is considered a pre-existing medical condition by insurance companies, along with similar conditions like high blood pressure.

What is considered a pre-existing condition for pet insurance?

A pre-existing condition is basically any illness or injury that your pet had before coverage started.

Does critical illness cover pre-existing conditions?

Most critical illness plans are medically underwritten, which generally means they won't cover your own pre-existing conditions.

Is autism considered a pre-existing condition?

While it was once possible that you could be denied or lose your coverage because of an ASD diagnosis, it is no longer the case. ASD is considered a pre-existing condition. A pre-existing condition is a medical condition that existed before someone applies for or enrolls in a new health insurance policy.

What is the waiting period for pre-existing diseases?

Almost all health insurance plans cover pre-existing diseases after a waiting period of usually 2 to 3 years. This implies that any hospitalization expenses related to the declared ailments can be claimed only after 2 to 3 successful years with the insurer.

How far back is a pre-existing condition?

A pre-existing medical condition is a disease, illness or injury for which you have received medication, advice or treatment or had any symptoms (whether the condition has been diagnosed or not) in the five years before your joining date. Health insurance doesn't usually cover 'pre-existing conditions'.

What pre-existing conditions are not covered by life insurance?

Is back pain a pre-existing condition?

For example, say you have chronic back pain from a past injury. If you get rear-ended in traffic and suffer a new back/neck injury, the insurance companies would likely classify the chronic back pain as a pre-existing condition.

What is an example of a pre-existing medical condition?

Pre-existing conditions can include health issues such as cancer, diabetes, lupus, depression, acne, pregnancy, or just about any other health condition you can imagine.

What disqualifies someone from getting life insurance?

They can include engaging in risky hobbies and behaviors like skydiving; having a history of DUIs or speeding tickets; having a dangerous job like roofing; having a criminal record or a less than ideal financial history; being a smoker; and failing a drug test.

How do insurance companies know if you have a pre-existing condition?

To determine if a condition is pre-existing, insurers examine medical history, treatment records, and diagnosis reports. They may use “look-back periods,” which are specific timeframes—typically six months to a year before coverage begins—to review medical history.

How do I get insurance with a pre-existing condition?

Is there health insurance for pre-existing conditions? Choosing a health plan is no longer based on the concept of a pre-existing condition. A health insurer cannot deny you coverage or raise rates for plans if you have a medical condition at the time of enrollment.

Is acid reflux a pre-existing condition?

Reflux is often a side effect of medication that is prescribed to treat heart conditions such as atrial fibrillation or heart failure. Is reflux really a pre-existing medical condition? The simple answer is yes.

Do you have to declare high blood pressure on life insurance?

Yes, you can potentially lower your life insurance premiums by improving and managing your blood pressure prior to purchasing a life insurance policy. As high blood pressure is considered to be a pre-existing condition, you will need to let your insurer know about it before you start your life insurance policy.

Is arthritis a pre-existing condition?

Examples of pre-existing conditions include: Chronic diseases (hypertension, heart disease, chronic obstructive pulmonary disease (COPD)) Mental health disorders (depression, anxiety, PTSD) Autoimmune diseases (rheumatoid arthritis, multiple sclerosis (MS), Crohn's disease)

Are wisdom teeth a pre-existing condition?

It's important to keep in mind that a 2 month waiting period applies for all hospital services and a 12 month waiting period for pre-existing conditions (issues with your wisdom teeth are usually considered pre-existing).

Is obesity a pre-existing condition?

Declinable Pre-existing Conditions

Insurers maintained lists of health conditions for which applicants would routinely be denied coverage. Declinable conditions included AIDS/HIV, congestive heart failure, diabetes, epilepsy, severe obesity, pregnancy, and severe mental disorders.