What are pre-existing limitations and how do they affect me?
A preexisting condition is often defined as a medical condition, illness or injury that the insured sought treatment for (or knew about) during a prescribed period of time prior to the insured’s effective date of coverage under the major medical plan (3,6,or 12 months). A preexisting conditions clause may exclude coverage for preexisting conditions for up to 12 months after the policy is in force. Preexisting limitations and will differ depending on the insurance carrier. Therefore it is very important that applicants learn the provisions of each plan that they are considering.
Related Questions
- I have understood the copying limitations outlined on page 3. Does this affect my obligation to report performances or other utilisations in any way?
- How does changing jobs with a pre-existing condition affect my eligibility for employer-sponsored long-term disability insurance?
- What are pre-existing limitations and how do they affect me?
