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What are pre-existing conditions?

QuestionWhat are pre-existing conditions?

AnswerPre-existing conditions are medical ailments for which you have already received or are receiving treatment for. Some plans also include any condition that has manifested and left un-treated, for which you should have normally sought treatment for.

Pregnancy, AIDS, cancer, high-blood pressure, and stroke are all forms of pre-existing conditions. Different insurance carriers have their own policies for pre-existing conditions. Some insurance providers offer coverage after a certain waiting period while others totally exclude certain conditions. Having a pre-existing condition obviously puts you at a higher risk for compensation than people without pre-existing conditions and is therefore more difficult to get insurance cover.

Always refer the visitor insurance policy brochure for exact plan wording and acceptability with reference to pre-existing condition coverage.