Is it based on the time of diagnosis or the time the condition was likely to have originated? For example,
what if I take out health insurance and a week later I go to the doctor and get diagnosed with cancer? I didn't know about it beforehand but the insurance company says the lump must have taken months to develop? What's the outcome? Other - General Health Care - 2 Answers
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1 :
Usually most companies define this is being treated by a doctor for a certain time period before. Such as if you have been treated for asthma by a physician in the last six months. This would be a pre-existing condition. What you detailed out though in all probability would not be considered a pre-existing condition because you were not under treatment for such a condition before the insurance was taken into affect. The reason I do say in all probability is sometimes it seems to me that the make stuff up as the go along and if the patient doesn't fight them then the are all the better for refusing the claim. It is a business after all.
2 :
A pre-existing condition is a health condition that existed before the policy was purchased. Generally, for both group and individual insurance plans, if you have seen a physician within the previous 12 months (this period may vary in different plans) for a health condition, that particular condition will not be covered, either permanently or for a specified waiting period (usually six months to two years), or you may be refused coverage or charged a higher premium for the coverage. The National Coalition for Cancer Survivorship (NCCS) points out that cancer survivors have a pre-existing condition from the time of diagnosis through the remainder of their life, since a cancer survivor usually needs to see a physician at least once a year for a checkup.
