A medical condition that existed prior to the member's effective date of coverage.

Refers to a clause in your insurance contract which may exclude coverage for certain disease(s) because they were present before the plan went into effect.

A health condition or medical problem that you already have before you sign up to receive insurance. Some health insurers may not pay for health conditions you already have.

A condition for which you were diagnosed with or received treatment for and, in some cases, for which a prudent person should have sought treatment that occurred in the look-back period established by an insurance company or state law.

A health problem that existed before the date your insurance became effective. Be sure you understand how any policy will treat any pre-existing condition you may have.

A health problem that existed before a policy was issued.

Any illness or injury, or any medical, surgical, or other condition (including a mental health condition, chemical dependency or pregnancy) which existed before a benefits certificate or agreement became effective.

Under the PPO plans, pre-existing conditions are excluded unless continuously insured for six months. A pre-existing condition is an injury, sickness, or pregnancy for which the covered person consulted with a doctor, took medication, or received medical care or advice within six months before becoming covered by BESA's PPO carrier. See "Portability".

A physical and/ or mental condition of an insured which first manifested itself prior to the issuance of his/ her policy or which existed prior to issuance and for which treatment was received.

conditions for which medical advice or treatment was received or recommended in the six (6) months immediately before the Member is covered under any health plan offered by the Employer. Pregnancy is not a Pre-existing Condition.

Medical conditions (usually illnesses/disability, i.e. diabetes or high blood pressure) for which you've been treated or diagnosed shortly before applying for health insurance. Depending on the insurance carrier, coverage for these may not be available or require a waiting period. (The Health Insurance Portability Act-HIPAA-does set some standards for what may or may not be excluded though)

Condition for which a person received medical services, treatment, care, medication, diagnosis, or consultation 12 months prior to the covered person's effective date of coverage or a condition that produced symptoms that are significant and distinct enough to establish the onset of a condition or that the condition manifested itself, where a person practiced in medicine would be able to diagnose the condition with reasonable certainty because of those symptoms.

term used by insurance companies to indicate that a child's medical condition existed before he was put onto the policy; can be a reason to deny or reduce insurance coverage.

Mental or physical conditions for which an individual sought medical advice, care or treatment within six months prior to the enrollment in the health plan

Any illness, injury or condition existing prior to the effective date of a health insurance contract.

An injury or illness you had before you signed up for your current health plan for which you received a diagnosis or treatment. Many health plans do not cover pre-existing conditions. Or, they have a waiting period before you can get benefits for them. For example, you hurt your knee playing football a couple years ago and had to have surgery. When you sign up for a new health plan, you'll have to list your knee injury as a pre-existing condition.

The physical or mental condition of an insured that exists prior to issuance of an insurance policy. In certain instances, an undisclosed pre-existing condition can result in cancellation of a policy. A physical condition of an insured person that existed prior to the issuance of the policy or enrollment in a health plan, and which may result in the limitation in the contract on coverage or benefits. Federally qualified HMOs cannot limit coverage for pre-existing conditions.

Health conditions or problems that existed before health insurance was purchased.

A physical or mental disability or illness that a person had before applying for insurance. Insurance companies may refuse to pay for treatment related to a pre-existing condition.

A medical condition a person develops before applying for a particular health insurance policy that could affect their ability to get coverage or how much they have to pay for it.

A pre-existing condition is a medical condition for which any medical advice, diagnosis, care, or treatment was recommended or received prior to the insured's enrollment.

Loss from injury or illness, which occurs earlier than the date on which insurance became effective.

A pre-existing condition is a condition for which the person received medical treatment or advice, or which was diagnosed in the six months preceding the effective date of the person's coverage. An accidental injury sustained during the six months preceding the effective date of the persons coverage will also be considered a pre-existing condition.

A condition that was encountered by the patient before that insurance coverage starts. See more information here.

a condition for which medical advice, diagnosis, care, or treatment was recommended or received during the six months immediately preceding the effective date of the policy

a condition for which medical advice, diagnosis, care or treatment was recommended or received within six months prior to the person's Enrollment Date under this Plan

a condition for which medical advice, diagnosis, care or treatment was recommended or received within six months prior to your hire date or enrollment date under this plan

a health condition or illness for which you sought medical advice or treatment within six months prior to your application for a Medigap policy

a health condition (other than a pregnancy) or medical problem that was diagnosed or treated during a specified timeframe prior to enrollment in a new health plan

a health condition which was treated or became evident within five years before the effective date of the policy

a health condition you already have when you buy a policy

a health problem that exists before departure

a health problem that you had before you joined

a health problem you have before getting a new insurance policy

a health problem you may have or already have had when you apply for a policy

a medical condition about which you knew, or about which you should have known, or for which you have been treated before you obtained the insurance policy

a medical condition diagnosed or treated before Few indemnity and managed care plans cover treatments that are experimental

a medical condition diagnosed or treated If you suffer from a pre-existing medical condition that requires You should book the birth in a hospital with a neonatal intensive care unit

a medical condition diagnosed or treated Medical Existing Covered

a medical condition diagnosed or treated prior to applying for or enrolling in a new health plan

a medical condition for which medical advice or treatment was recommended or received from a provider of health care services within five years before the effective date

a medical condition that the insured knows about before applying for coverage

a medical condition that would cause a normally prudent person to seek treatment during the twelve months prior to the beginning of coverage

a medical condition which has been diagnosed and has required medical treatment, or for which you have sought medical advice, or symptoms have occurred before you have applied for the plan

a medical condition which has been diagnosed, has required medical treatment, or, for which you have sought medical advice or symptoms have occurred in a period immediately prior to applying for the plan

a medical condition which has been diagnosed, which has led to you needing medical treatment or for which you have sought medical advice or symptoms and which has occurred in a period prior to applying for your health insurance plan

a medical problem that you had before you were covered by your current benefit plan

an ailment, illness or condition, the signs or symptoms of which existed at any time during the six months before the day on which you joined or upgraded to a higher level of hospital cover

an ailment or condition that had been diagnosed or treated before the policy was purchased

an illness diagnosed or treated within six months before a policy is issued

an illness or condition for which you have been diagnosed, received treatment or incurred expenses before you chose CIGNA HealthCare

an illness or disability for which you received medical advice or treatment during the six months before you apply for long-term care coverage

an illness or injury of which the insured is receiving ongoing medical treatment or has received diagnosis or medical consultation or prescription drugs

an illness or medical condition that has been previously diagnosed

an illness which caused symptoms or for which you received or should have received medical treatment before your coverage started

an injury or illness that began before your health insurance became effective

an injury, sickness, or pregnancy for which a person incurred charges, received medical treatment, consulted a health care professional, or took prescription drugs within twelve months immediately preceding the effective date of coverage

an oral health condition, which existed before your enrollment in a dental program

a physical or mental condition that existed prior to being covered on a health benefit plan

a sickness or injury for which you received medical treatment, consultation, care, or services including diagnostic measures, or took prescribed drugs or medicines during the three months prior to your effective date of coverage

A physical or mental condition which existed before applying for a policy, for which medical care was already recommended or received, and which may not be covered by insurance, or only after a time lapse.

A condition (whether physical or mental) regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received within the six month period ending on the enrollment date. Pregnancy is usually not treated as a pre-existing condition.

Any physical and/or mental condition or conditions that existed prior to the effective date of coverage under a contract.

Any physical and/or mental condition(s) of an insured that exist prior to the effective date of coverage.

A physical and/or mental condition of a participant that existed prior to the initial date of coverage. Some plans exclude pre-existing conditions from coverage for a period of time.

Any condition for which medical advice, diagnosis or treatment was recommended or received within six months prior to the coverage date in a new plan. That condition will not be covered by the new plan, until you have been in that plan for the required number of months. This is called the pre-existing condition exclusion period. Please note, some plans do not have pre-existing exclusion periods.

Any physical and/or mental condition or conditions that exist prior to the date when health insurance coverage becomes effective.

A health condition (other than a pregnancy) or medical problem that was diagnosed or treated before enrollment in a Health Benefit Plan. Consult your Contract to determine whether Pre-Existing Conditions may be excluded from your coverage.

An illness or injury and any related complications that were present before the date of enrollment for your coverage, whether or not any medical advice, diagnosis, care or treatment was recommended or received before such date. Please see your plan for the specific definition of the pre-existing condition.

A medical condition that exists prior to the effective date of coverage under a health insurance plan. Generally, the plan requires that the insured experience symptoms and/or receive a diagnosis or treatment for the condition within a specified period before the effective date of coverage.

A general term used to describe a condition that is determined to have existed some time prior to the effective date of coverage. HIPAA defines a six (6) month "look back" period prior to the insured's enrollment date in order to determine if a condition was pre-existing. Supplemental insurance carriers and many individual carriers are not subject to the HIPAA definition of pre-existing. Of those types of insurance carriers, many still use the "prudent person" clause in order to determine if a condition existed prior to the date of coverage.

A medical condition or diagnosis which existed (or for which treatment was received) before health insurance coverage began. Serious pre-existing conditions often lead to limited coverage (i.e., medical riders) or denial of coverage.

A medical condition that is present when an insurance policy takes effect. For a certain specified time period, many insurance contracts will limit or exclude coverage of this condition.

Physical or mental condition that existed before the plan participant became covered by the health plan. Most group health plans have clauses that exclude certain pre-existing conditions from coverage for a certain period of time.

A health problem a person may have when applying for a policy, for which medical advice or treatment was received within 6 months before the effective date of coverage. For long term care insurance, a policy may not exclude coverage for a loss or confinement from a pre-existing condition unless the loss or confinement begins within 6 months following the effective date of coverage. For health insurance, if a person has insurance any time during the 63 (or in some cases 90) days before buying a new policy, insurers must waive pre-existing condition exclusions to the extent the consumer would have been eligible for benefits under the old policy.

A health condition or problem that existed before a given health care policy/contract was effective and for which medical advice, diagnosis, care, or treatment was recommended. Each policy/contract will define pre-existing condition and sate the applicable time periods.

A restriction of benefits is made due to an existing medical condition at the time coverage is effective. Generally any diagnosis made within 90 days of employment is considered a pre-existing medical condition. Benefits are usually restricted for a period of 12 months from the date of employment unless covered under a group plan. See HIPAA. Pre-existing conditions may also apply to dependent coverage when a medical condition exists for a dependent at the time the employee is hired.

A medical condition or problem diagnosed, treated, or needing treatment prior to the purchase of an insurance policy. Your application for Individual and Family insurance will ask about pre-existing conditions and medical history. Pre-existing conditions may be excluded for a specified period, as stated in the policy.

An illness or condition that is excluded from coverage by a purchaser because the condition existed before enrollment in the plan; coverage may be limited for a period of time, or indefinitely, creating significant obstacles to access to care.

A mental or physical problem suffered by an insured prior to the effective date of insurance coverage.

a condition for which an individual receives medical care, treatment, advice, or medication prior to the coverage effective date. Pre-existing condition limitations do not apply under the Group Health Program. However, pre-existing conditions may or may not apply to a specific HMO option under the HMO Program. Check with your HMO to see how this term is defined and if any pre-existing rules apply.

Any condition (either physical or mental) for which medical advice, diagnosis, care, or treatment was recommended or received within the 6-month period immediately preceding enrollment in a health plan. - Group health plans cannot count pregnancy as a pre-existing condition. Genetic information about your likelihood of developing a disease or condition, without a diagnosis of that disease or condition, cannot be considered a pre-existing condition. Newborns, newly adopted children, and children placed for adoption covered within 30 days cannot be subject to pre-existing condition exclusions.

An illness or other adverse health condition that exists and is known of prior to the issuance of health insurance.  The pre-existing condition is usually exempted from the coverage of the policy, the premium is raised because of it, or coverage of it is denied for a specified period of time.

A pre-existing condition is defined as a sickness or physical condition for which medical advice or treatment was recommended by or received from a physician, or symptoms existed which would cause a prudent person to seek diagnosis or treatment in the two-year period preceding the policy's effective date.

A medical condition that is excluded from coverage by an insurance company because the condition was believed to exist prior to the individual obtaining a policy from the insurance company. Many insurance companies now impose waiting periods for coverage of pre-existing conditions. Insurers will cover the condition after the waiting period (of no more than 12 months) has expired. (See also, HIPAA)

Conditions that existed during the six months immediately before the employee's or covered dependent's effective date under the Voluntary Life policy.

an illness, injury or condition for which the insured individual received medical advice, treatment, services or supplies; had diagnostic tests done or recommended; had medicines prescribed or recommended; or had symptoms of typically within 12 months (time periods may vary depending on state laws) prior to the effective date of insurance coverage.

a sickness or disability you had before you joined an insurance plan.

A health problem that existed before the date a person's health plan became effective.

A pre-existing condition is a health problem that existed or manifested before the date your insurance became effective.

A medical problem or illness you had before applying for health care coverage.

An injury, illness, or physical condition which existed prior to the issue of the disability policy.

A health problem that existed before the date your insurance became effective. A physical or mental condition, excluding pregnancy, for which an insured individual sought medical treatment within the six months immediately prior to enrolling in a health plan.

A condition or illness you were diagnosed with or got treatment for before your new health care coverage began.

a medical problem that existed before or a specific date.

An injury or sickness that exists on the effective date of coverage.

A condition such as heart disease or diabetes that may be excluded from coverage by a health plan altogether or for a limited period after enrollment.

a medical condition of an insured individual that first becomes known before the policy is issued. Insurers often use pre-existing conditions as an excuse to deny coverage under the current system. The Clinton plan will outlaw denial of coverage based on pre-existing conditions.

Medical condition which you sought treatment for in the previous six months before you purchase the policy.

A health problem that existed or was treated before the date your insurance became effective. Most health insurance contacts have a pre-existing condition clause that describes under what conditions they will cover medical expenses related to a pre-existing condition.

This is an illness or a condition that you had before you joined the health plan.

Injuries, sickness or medical conditions existing prior to the injury or onset of the occupational disease.

A physical and/or mental condition of an insured which existed prior to the issuance of his or her policy.

An illness or disability for which you were treated or advised within a time period before applying for a long term care policy.

a health problem that existed before your coverage went into effect. Many plans won't cover preexisting conditions.

A medical condition you had during the six months before you purchased the long-term care policy.

Any condition for which you 1) incurred charges, 2) received medical treatment, 3) consulted a health care professional, or 4) took prescription drugs within the 6 months immediately prior to the effective date under the policy. It does not include pregnancy.

In group health insurance, this is a condition for which an individual received medical care during the three months immediately prior to the effective date of coverage.

A condition you or a covered dependent may have prior to enrolling in a federal health insurance plan. FEHB plans cover pre-existing conditions.

physical or mental condition of an individual which is known to the individual before an insurance policy is issued. Insurers may choose not to cover treatment for such a condition, at least for a period, may raise rates because of it, or may deny coverage altogether.

A medical condition that existed before the plan was purchased. The insurance company does not normally cover expenses related to this condition.

(1) According to most group health insurance policies, a condition for which an individual received medical care during the three months immediately prior to the effective date of her coverage. (2) According to most individual health insurance policies, an injury that occurred or a sickness that first appeared or manifested itself within a specified period—usually two years—before the policy was issued and that was not disclosed on the application for insurance.

Any medical condition for which you received medical advice or treatment within six months before the effective date of coverage.

Any medical condition that has been diagnosed or treated within a specified period immediately preceding the covered person's effective date of coverage under the master group contract.

A health condition that you had before you became covered by a medical plan. If you have a pre-existing condition, you may have to wait before your plan will pay for treatment of that condition.

Any physical or mental conditions that exist prior to the effective date of insurance coverage.

An illness or medical condition for which a person was treated or advised within a specified time period before applying for an insurance policy. A pre-existing condition can result in the cancellation of the policy if it is not disclosed up front.

A physical or mental condition that existed before issuance of a policy.

An Illness or Injury which manifests itself in the six months before coverage under a Policy starts, and for which treatment was received or recommended by a Provider in the six months before coverage started; or an ordinarily prudent person would have sought medical advice, care or treatment in the six months before his or her coverage starts. A pregnancy, which exists on the date coverage starts, is also a Pre-Existing Condition. Complications of such a pregnancy are not considered to be Pre-Existing Conditions and are not subject to Pre-Existing Condition Limitations.

A health problem that existed before you purchased your insurance policy.

the medical history, including the illnesses and conditions listed in the Medical Questionnaire, which may affect the Company's decision to insure or not to insure or to impose special terms. Reimbursement rates: the maximum amount of money, which will be paid by way of reimbursement of medical expenses in 1 year from the commencement date or from each anniversary date, as further detailed in the Policy Conditions.

Any condition for which “medical care” was received three or more months prior to the effective date of insurance coverage. Medical care includes the use of prescription drugs and physician consultations and services. During a pre-existing condition exclusionary period, coverage for that condition is either not provided or can be limited.

Any disease, illness or injury for which: you have received medication, advice or treatment; or you have experienced symptoms whether the condition was diagnosed or not before the start of your cover.

A provision in insurance policies that denies or delays coverage for a disease or disability that existed before enrollment. These limitations can cause a critical gap in health benefits when an individual changes jobs and signs up for a new insurance plan.

nbspA health problem that existed before the date your insurance became effective. If you have had prior coverage for 12 months without a break in coverage of less than 63 days pre-existing does not apply.

A physical illness or disability that existed before the health or life insurance policy effective date and generally, which was not disclosed on the application.

an injury or sickness that you knew you had before you got a particular insurance policy. Usually relates to medical insurance.

An illness or disability for which you were treated or advised within a certain time period (typically 6-12 months) before applying for an insurance policy. Any pre-existing condition would not be covered during a designated time period (again typically 6-12 months) after the effective date of the policy.

A health problem that existed or was treated before your insurance became in effect. Most health insurances have a pre-existing condition plan that describes under what conditions they will cover medical expenses that relate to a pre-existing condition.

Oral health condition of an insured person which existed before his/her enrollment in a dental plan.

A state, usually of health, which existed before an insurance came into force.

A health condition which manifested itself before the policy period.

A condition diagnosed and/or treated prior to the effective data of your coverage or for which a prudent person would have been treated.

a condition for which medical advice, diagnosis, care, or treatment was recommended or received before a patient joined a health plan.

Any illness or injury diagnosed or treated before the effective date of your health insurance coverage. Some health plans refuse to pay for treatment of any pre-existing conditions; others will pay for treatment after a period of time goes by, usually a year or two.

A sickness or injury for which the insured person has received medical advice or treatment within a specific number of days immediately prior to the start of a new insurance policy (usually six months). Generally, insurance companies will not cover pre-existing conditions.

A health care problem that was found and/or under treatment before the start date of a new insurance policy.

A condition for which medical advice was given or treatment was recommended by, or received from, a licensed health care provider within six months before the effective date of coverage. If the insurer uses a pre-existing condition limitation, then the pre-existing condition limitation cannot be excluded from coverage for more that six months after the effective date of coverage.

A medical condition that was present before the consumer applied with the insurance company. Some insurance companies will deny funding of medical costs related to pre-existing conditions.

Any medical conditions that have been diagnosed before the insured was covered by his current insurance policy

An illness or disability that you contracted before the time of policy applications.

Illnesses or disability for which you were treated or advised within a time period before applying for a life or health insurance policy.

a condition or diagnosis which existed (or for which treatment was received) before coverage began under a current plan or insurance contract, and for which benefits are not available or are limited.

Condition for which a person received medical care, treatment, services, medication, diagnosis, or consultation 12 months prior to the insured persons effective date of coverage or a condition that produced symptoms that are distinct and significant enough to establish the onset of a condition or that the condition manifested itself, where a person learned in medicine would be able to diagnose the condition because of those symptoms.

A health condition (other than a pregnancy) or medical problem that was diagnosed or treated before enrollment in a new health plan or insurance policy.

Unfortunately, there's no clear cut definition of this term; each insurance company has a different way of looking at it. Generally speaking, it's a medical condition which was first treated or first manifested itself prior to your enrollment in a plan. Some plans totally exclude pre-existing conditions from coverage; others have a waiting period of six months to a year.

A health-related situation that pre-dates the person's coverage under the policy or plan.

oral health condition of an enrollee which existed before his/her enrollment in a dental program.

A medical problem or illness that you had before your insurance policy took effect.

A physical and/or mental condition of an insured person which existed prior to the initial date of coverage.

A physical condition that existed prior to the issuance of an insurance policy.

A health problem that existed before the date your insurance became effective. Many insurance plans will not cover preexisting conditions. Some will cover them only after a waiting period.

An injury or sickness for which you received medical care or treatment in a specified time period just prior to being insured for benefits. That injury or sickness may not be covered by a new benefit plan. A medical condition which is excluded from a policy because condition existed prior to effective date of policy.

A health problem you had before the date that a new insurance policy starts.

A medical condition that you developed prior to applying for, or receiving, a health insurance policy that may trigger a limitation of your benefits. Some policies can exclude coverage of such conditions, often indefinitely. New statutes in 1997 and 1998 altered the freedom other health plans have enjoyed in setting pre-existing time limits. (See HIPAA above.)

An illness or injury that was diagnosed, treated and/or which mediation was received within the three months immediately preceding the date the person became covered.

Health conditions diagnosed or treated prior to the effective date of a health care or long-term care policy. Precise definitions differ widely among health insurers and policy types. Policies vary in whether or not they exclude coverage for these conditions and, if so, for how long.

A physical or mental condition that existed prior to the effective date of a policy. Often found in health insurance policies, preexisting condition clauses provide that no coverage will be in force for losses caused by the condition until the policy has been in force some specified period of time.

A physical and/or mental condition of the Life Assured that existed before the policy proposal.

A pre-existing condition is any chronic condition that you’re been diagnosed with or treated for within a certain period of time. Most insurance plans require a waiting period before a pre-existing condition will be covered. If you have been uninsured for more than 63 days before your enrollment date in one of the Freelancers Union insurance plans, a waiting period of 12 months will be required before a pre-existing condition is covered.

An ailment for which you sought medical advice in the six months (or one year, or two years, depending on the insurance contract) prior to applying for the disability policy, and which recurs within a specified period of time (for example, six months) from the policy date. Policies that have this clause exclude coverage for pre-existing conditions occurring within the prescribed time frame. Some group contracts have a pre-existing condition clause. It is also common in creditorâ€(tm)s disability insurance.

One of the following: A physical condition of an insured person which existed prior to the issuance of his policy or his enrollment in a Plan, and which may result in the limitation in the contract on coverage or benefits. A physical condition including an injury or disease that was contracted or occurred prior to enrollment in the HMO. Federally-qualified HMOs cannot limit coverage for pre-existing conditions.

any medical condition that has been diagnosed or treated within a specified period immediately preceding the covered person's effective date of coverage. Pre-existing conditions may not be covered for some specified amount of time as defined in the certificate of coverage (usually six to 12 months). As a result of HIPAA, an individual can be required to satisfy a pre-existing waiting period only once, so long as they maintain continuous group health plan coverage with one or more carriers