What is considered a preexisting condition?

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Asked May 27, 2010

1 Answer


What is considered a preexisting condition varies from one insurance company to the next. Similarly, the length of time that must pass before the condition can be considered a new one is different as well. The waiting period could be as low as 6 months, but is generally between 9 and 24 months, depending on a number of different factors.

Technically, a preexisting condition is one that you had already shown the symptoms of before your insurance went into effect. This could include disease, illness, medical, mental, or nervous disorders, and more. Any condition that was known to exist before the time of insurance application preexisted, including conditions which had been visible in x-rays but never diagnosed.

Most health insurance companies have 9 month or longer waiting period before a claim can be filed. This protects the insurance company from a person discovering they have a specific condition and then buying insurance to pay for it. For example, a pregnancy is considered preexisting if evidence exists that you were already pregnant when you applied for the insurance coverage.

If you are merely switching from one health insurance coverage to another, and your previous insurance was in effect when the condition occurred, your coverage waiting period may be waived. This allows insured person to change insurance companies without sacrificing coverage that is vitally important and already in existence. Just make sure that you have the new coverage in place before you allow the old one to become inactive.

Answered May 27, 2010 by Anonymous

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