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Pre Existing Medical Conditions

Meaning

Pre Existing Medical Conditions are any illnesses, injuries, or health conditions for which a patient has received diagnosis, medical advice, or treatment before applying for a new health insurance policy or enrolling in a new plan. In the context of the U.S. healthcare system, the existence of these conditions historically allowed insurance providers to deny coverage, charge higher premiums, or impose waiting periods before covering treatment for that specific condition. While modern legislation has largely restricted this practice, the term remains relevant in defining the scope of coverage and cost-sharing in certain health plans. This classification is a foundational concept in insurance underwriting and risk assessment.