WHAT IS A PRE-EXISTING CONDITION?
A pre-existing condition is any medical condition (injury or illness) that existed prior to the date your insurance enters into effect. A pre-existing condition includes any injury or illness that you: • Suffered from prior to the date your insurance enters into effect. • Received treatment for prior to the date your insurance enters into effect. • Were prescribed medication for prior to the date your insurance enters into effect.
A pre-existing condition is any sickness, injury or any other medical or mental health condition existing in the six month period prior to the Covered Person’s effective date of the Student Health Insurance Plan. If symptoms were present during the six month period that have been treated or evaluated by a physician, have been recommended for treatment by a physician, or symptoms of an illness or injury existed which would cause an ordinarily prudent person to seek diagnosis, care or treatment, the condition is considered to be pre-existing.
A pre-existing condition is any health condition you have or have had prior to applying for a policy. For example, if you currently have had kidney stones at any time during your life, then kidney stones would be considered a pre-existing condition. Some insurance companies want to know about your pre-existing condition going back as far as your date of birth, but most insurance companies only look back ten years.
A pre-existing condition is a health condition that exists when you buy your travel insurance plan, before you depart. It may be a chronic illness, such as high blood pressure, a cold or a recent surgery. If the Insurer considers this condition as an increased risk, your premium may be slightly higher than that of someone who is in perfect health. However with a medical questionnaire (offered to persons of 61 years of age and over) this condition may be covered if it is determined to be stable by your treating doctor and the Blue Cross medical director.
