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Pre-existing heart conditions, such as Heart disease, are a headache for insurance companies as well as individuals. For heart patients, insurance companies may deny coverage so as not to lose money. Even when coverage appears to be granted, hidden exclusions may appear in some individual insurance plans. These include not covering a congenital defect even though the insurance company may not deem it congenital, and including previous health insurance plan coverage toward a new plan's lifetime limit of coverage. Both hidden exclusions are illegal under group plan policies.

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