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If you have medical insurance in IN and have a major claim within 1 year that was not a preexisting condition will the policy cover it?
Wiki User
∙ 8y ago
Don't see any reason why not. Have you read your policy, any "funny" provisions? Just turn in the claim and let them process it.
If you need a more techical answer try steveshorr/research tools
Wiki User
∙ 8y ago
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What is the definition of a preexisting condition?
The diseases which already existed at the time of taking the health insurance policy are attributed as preexisting condition. The Health Insurance Co. is at liberty to cancel your claim forthwith if it is proved that you contacted any such disease after taking the policy.
Can you add your pregnant girlfriend to your medical mutual insurance?
No. First your girlfriend cannot be an insured on your medical insurance because she has no legal rights as she is not a family member. Read your policy and you will see who is allowed to be an insured on your policy. Secondly, even if she was your legal spouse the pregnancy is a preexisting condition and would not be covered anyway.
Medical condition that you had before you got a policy from an insurance company?
pre-existing
Is pregnancy preexisting in group health insurance?
Only if the pregnancy began before the insurance policy.
Would abnormal pap smear be a preexisting condition?
Check the definition in YOUR policy. West's Ann.Cal.Ins.Code ? 10700 q) "Preexisting condition provision" means a policy provision that excludes coverage for charges or expenses incurred during a specified period following the insured's effective date of coverage, as to a condition for which medical advice, diagnosis, care, or treatment was recommended or received during a specified period immediately preceding the effective date of coverage. The important thing is to list it on the application, if and where asked -
Can medical insurance from your spouse's policy cover you if you have a preexisting condition which makes you not able to buy any insurance by oneself?
In my state, Alabama, it depends on the insurance company. Some don't have the pre-existing clause while some do. But, also in this state, you can only be added to a spouse's insurance under certain conditions if you were added when he or she first enrolls. You need to check with the spouse's HR department at work.
Is having a heart cathetor test considered pre existing condition?
Tests, of any kind, are not included in the definition of preexisting condition. You have to be given a definitive diagnosis from that testing in order to have a preexisting condition. If by having a heart cath test, it was determined that you did not need to have one placed, then you do not have a preexisting condition. For example, you may have an MRI/CAT Scan and then a PET Scan to determine if you have cancer, but if they find you do not have cancer, then you are not diagnosed with a condition, therefore cannot considered preexisting. I should add that, generally if a Dr. wants to evaluate for a heart cath, then you currently have or have had issues with your heart in the past. This may be something like a high percentage blockage, irregular heart beat, thickening of the lining around your heart, etc. This would be considered a preexisting condition and future insurance companies may determine that any intervention needed on your heart would be preexisting. However, insurance companies usually have a preexisting time frame (generally 12 or 24 months) in which a condition is no longer consider preexisting. For example, if you were diagnosed with a heart condition 13 months ago and the insurance company you are planning on joining policy is a 12-month limit on pre-existing conditions, then you are in the clear and the preexisting condition clause does not apply to you.
Car insurance can coverage medical payment on motorcycle accident?
If you put medical insurance on the policy when the policy was purchased.
If you have medical insurance now but have pre existing condition can you still obtain medical insurance?
You can still have the insurance but it may not cover the condition due to a waiting period. Most insurances have a 1 year waiting period for pre-existing condtions but after that year you can be treated. Some insurance policies do not have a waiting period. So it all depends on the insurance and the policy you have. You need to contact the insurance company with your group and policy numbers to find out more info on the contract.
Would finding out your pregnant before your insurance has begun be considered a preexisting situation?
Yes. Check the definition though in your policy.
Does treatment by a chiropractor prior to an insurance start date determine a preexisting condition and how can an insurance company find out about chiropractic treatment prior to being insured?
The Insurance Company generally finds out by what you tell them on the application. If you don't tell them, they probably have the right to deny coverage and rescind the application. check what YOUR policy says
What term refers to a specific condition or circumstance for which a policy will not provide benefits?
Any concealment of facts and figures in the proposal form by the proposer may entail exclusion of benefits be it life insurance or medical policy by the Insurance Company. Specially, in medical policy, 'Pre existing disease/illness may deprive the insured person from benefits under the policy.
