What is an exclusion or preexisting condition?
An insurance underwriter may accept an application but exclude coverage for “preexisting conditions.” For example, you may have had recent knee surgery and the insurance carrier will accept your application excluding all claims related to your injured knee. Such exclusions may last for a specific period of time or the life of the policy.
Related Questions
- How does HIPAA limit the preexisting conditions that can be excluded from coverage under a preexisting condition exclusion?
- How does the preexisting condition exclusion apply if an applicant has had prior coverage with another Blue plan?
- Can the preexisting condition exclusion period be waived or reduced?
