What is a pre-existing medical condition ?
This is a physical or mental condition whether diagnosed or not, which you knew about or in our reasonable opinion should have known about, or for which you received treatment prior to the start date. You are not covered for pre-existing medical conditions that may cause you to claim for accident & sickness benefits. We may still insure you but we will not pay benefits directly relating to any claim which we consider you were aware of before the start date. However you may be entitled to benefit if for 2 years before you became unable to work, you have been free of the symptoms, have not consulted a doctor about the condition or received treatment for it.
