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Is pregnancy a preexisting condition if she was insured before she became pregnant?
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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.
How can you get insured with a preexisting condition?
You may be able to find information by doing a search on "Guaranteed Issue" policies in your state.
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 -
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
Can your company be penalized for a pre existing condition you do not list on your application for group health insurance?
Presumably in this context it is your employer providing you with health insurance.It is not that your company would be penalized, it is that the insurance company would refuse to pay for treatment of the preexisting condition. They set rates according to the known health of their pool of insured people. But upon signing up for your company's insurance plan you failed to divulge a known condition, and signed the statement saying you were giving the insurance company an accurate statement of your health, so you lied to them (aka committed fraud). That generally voids your policy.Check the particular wording of your own insurance policy regarding preexisting conditions.
What is maternity benefit?
the insured in respect of which Maternity benefit is paid to an ensured person is the pregnancy and maternity leave of the insured person.
Is hypertension a pre-existing condition?
If it was diagnosed or if the insured otherwise had notice of it before making the application for insurance, yes.
Are seizures considered preexisting conditions to health insurers?
Depending upon the kind of seizures (grand mal, petit mal, etc), its recency, and its frequency, seizures may be considered to be a preexisting condition. A preexisting condition is one that has manifested itself before the application for insurance. Among the medical questions that are asked on the application for insurance may be one pertaining to seizures. The question may be phrased in such a way that the insurer asks about seizures occurring within a stated period of time in the past. If there have been none within that period, the applicant may be able to honestly answer "No". Alternately, the question may be asked as to whether the applicant has "ever" had a seizure. If the applicant has had one or more, the honest answer is "Yes". Even if the applicant has had one or more seizures, and acknowledges it/them on the application, some insurers will issue a policy. In fact, the trend in health insurance is to preclude insurers from denying policies to applicants with preexisting conditions. One of the major problems that sometimes arises is when the applicant is not truthful about health history. Often, that misrepresentation is discovered when the insured submits a claim for benefits. Because insurers investigate the type of claim and the need for the medical service, it is sometimes discovered that the service was connected with a condition that predated the policy. If the insured's misrepresentation was such that had the insurer known about it, it would have either not issued the policy, or would have issued it only for a higher premium, it may have the right to cancel the policy "ab initio". This means that the policy would be canceled retroactively from its inception.
What is a clause in a contract that allows you to escape the legal obligation?
When the parties contract with provisions that specify a condition subsequent, the occurence of the condition cuts off liability for performance on and as to its basis. An example would be a requirement in an insurance contract wherein the insured has a limited time in which to file a claim, and thereafter the insurer need not perform, as the condition subsequent has been satisfied, even if the insured files the claim thereafter.
Is high blood pressure that is controlled by medication considered a pre-existing condition?
== == Yes. Check the policy definition. Here's the def. for Small Groups in CA (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. 10708. (a) Preexisting condition provisions of health benefit plans shall not exclude coverage for a period beyond six months following the individual's effective date of coverage and may only relate to conditions for which medical advice, diagnosis, care, or treatment, including the use of prescription medications, was recommended by or received from a licensed health practitioner during the six months immediately preceding the effective date of coverage. (c) In determining whether a preexisting condition provision or a waiting period applies to any person, a plan shall credit the time the person was covered under creditable coverage,
Insured vs Insured Professional Liability?
The insured and the insured professional are one and the same.
Is pregnancy considered a preexisting condition if you move from a group insurance plan with a Mexican insurer to an American small business group insurance plan?
CA AB 1672 aka Insurance Code 10700 et seq - see the term ELSEWHERE below (r) "Creditable coverage" means: (1) Any individual or group policy, contract, or program, that is written or administered by a disability insurer, health care service plan, fraternal benefits society, self-insured employer plan, or any other entity, in this state or elsewhere, and that arranges or provides medical, hospital, and surgical coverage not designed to supplement other private or governmental plans.
