What constitutes a pre-existing condition?
A pre-existing condition means a condition, disease, illness, injury, infirmity or weakness, which either existed or showed clinical signs of existing or which was treated before the inception date of the first policy period or within the applicable time excess or the recurrence of such a condition, disease, injury, illness, infirmity or weakness.
Please note the following:
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A pre-existing condition means a condition, disease, illness, injury, infirmity or weakness, which either existed or showed clinical signs of existing or which was treated before the inception date of the first policy period or within the applicable time excess or the recurrence of such a condition, disease, injury, illness, infirmity or weakness.
Please note the following:
- To be a pre-existing condition, the condition or illness, etc. need not have been treated before the start date of the policy it needs only to have existed. It does not matter whether you knew about it or not, at the time of application or at the start date of the policy.
- Any condition, illness, etc. that did not exist at the start date of the policy but which arises/occurs during the time excess or waiting period of the policy is also classified as a pre-existing condition. These periods range from 30 days to 180 days (depending on the condition). Potential policy holders must make very sure to ask about this before signing on for a policy.
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