What Is A Pre-Existing Condition?

A pre­existing condition is an illness or other health problem that was diagnosed or treated before the policy was issued to you. Many policies will not pay immediate benefits for claims due to pre­existing conditions; some will never pay. The rules are changing, though. Ask your insurance company or agent to tell you if your policy has any pre­existing exclusions.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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