What are pre-existing conditions?
Pre-existing condition limitations vary from plan to plan and state to state. Please refer to the plans limitations and exclusions section for more detailed information. Most plans only go back 12 months, yet there are plans that go back 24 months. After the waiting period most insurance companies might start to cover your condition.
A pre-existing condition is a medical condition diagnosed or treated before joining a new plan. If you have a pre-existing condition and have not been insured the previous 12 months before joining a new plan, You will have to wait 12 months before you are covered for that condition. Go to top of page Homeowner Insurance FAQs Q: What are some things I can do to lower the cost of my homeowners insurance? A: The easiest thing to do is get a comprehensive review of your policy and needs from B&A Insurance. Let us look for any discounts that you may qualify for. Raise your deductible. Increasing your deductible from $250 to $500 will lower your premium, sometimes by as much as five or ten percent. Q: What does homeowners insurance cover? A: The typical homeowner policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage for the insured. Usually, homeowners insurance is required by the lender to obtain a mortgage. Q: What is
Pre-existing condition means any Injury, Sickness or condition (including any condition from which death ensues) of You, or Your Traveling Companion, You or Your Traveling Companion’s Family Member or Your Business Partner which within the one hundred and eighty (180) day period prior to the Effective Date of Your Protection Plan: a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or c) required medical treatment or treatment was recommended by a Legally Qualified Physician. (Note, In California, part “a” is not applicable).
Pre-existing conditions are health conditions which you already received or are receiving treatment for. Pregnancy, AIDS, high-blood pressure and stroke are all forms of pre-existing conditions. Each insurance carrier has its own policies and procedures for pre-existing conditions. Some offer coverage after a 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, but that doesn’t necessarily mean you can’t get insurance.
Pre-existing condition means a sickness, disease or other condition of the Insured, Traveling Companion or Immediate Family Member of the Insured or Traveling Companion, which within the 60 day period before your Trip Cancellation coverage became effective under this program a) first manifested itself, worsened, became acute, or had symptoms which would have caused a person to seek diagnosis, care or treatment, b) required taking prescription drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or c) was treated or treatment was recommended by a physician.
