Pre-existing Condition

Plain English Definition: A health condition that existed before obtaining health insurance coverage.

What Pre-existing Condition really means for someone with an insurance policy

Health insurance providers may limit or exclude coverage for medical conditions that existed before the policy started, though many modern plans cover them after specific waiting periods.

Pre-existing Condition Real World Examples

• Diabetes diagnosed before applying for health insurance.
• A heart condition treated prior to coverage.
• Pre-diagnosed asthma covered after a waiting period.