What is a pre-existing condition exclusion?
| Top A pre-existing condition exclusion clause will normally be found in disability plans that are offered without evidence of health. This clause excludes medical conditions that have been investigated prior to the effective date of coverage either 12 months or 24 months. Some plans may exclude longer periods. For example: a 12 month pre-ex will exclude any medical condition which you sought treatment for or investigated 12 months prior to the effective date of coverage and 12 months after the effective date of coverage. Once you have had the coverage in force for more than 12 months all of your pre-existing medical conditions would be covered. Pre-Ex clauses are important to the stability of disability plans. Having this clause reduces the risk of anti-selection. Anti-selection is a term used in the industry where people with health problems obtain coverage knowing they have a significant potential to file claims. Plans offered without evidence of health and no pre-ex clauses are vu
