Preexisting Condition

Which of the following is a preexisting condition?

 A condition the insured contracted before the policy was in effect for 90 days
 A condition the insured contracted while the policy was in underwriting, even though premiums have been paid
 A condition the insured contracted prior to the application
 A condition in the insured's family medical history
Correct
A preexisting condition is a condition that exists prior to the effective date of the policy.

What provision of a health policy may cover preexisting conditions?

 Time limit for certain defenses

 Entire contract

 Insuring clause

 Exclusions

Correct

Note the difference. Exclusions will list the specific conditions that will not be covered. Time limit for certain defenses will provide automatic coverage for a condition that might not have been disclosed after a certain time.