In order to understand acute onset of pre-existing condition let's understand the basic difference between pre-existing condition and acute onset of pre-existing condition.
Pre-existing conditions are medical conditions (both diagnosed and undiagnosed) that existed in a person before the insurance policy became effective. Depending on the unique medical history, these medical conditions vary from person to person. These can be blood pressure, various heart ailments, diabetes, kidney disease, cancer, asthma, and other chronic ailments and injuries like pain in the back or knee.
The general definition of acute onset of a pre-existing condition found on the web is that acute onset of pre-existing condition is a sudden and unexpected occurrence of these pre-existing medical conditions without any prior warning from a medical professional. The treatment has to be obtained within 24 hours after the first symptoms occur.
The above definition does not cover all the aspects of acute onset of pre-existing conditions. Many insurance buyers are under the misconception that any sudden manifestation of symptoms is covered under acute onset of pre-existing conditions coverage. That may certainly not be the case. Let us take an example, if a medical condition like cancer has existed in a person for some time before the insurance policy was bought, and was diagnosed at the time the person had a medical incident, he or she may not qualify for acute onset of pre-existing condition coverage.
Certain scenarios might further help understand the terms of this coverage. Let's take the example of Mr. Smith. He suffers from a heart ailment and had a heart attack in the past. The doctor has advised him to manage his conditions by exercising daily and not participate in any stressful activities that can worsen his condition. Let's assume he has a sudden heart attack. He may not be covered under acute onset of pre-existing conditions if he finds himself in the following scenarios: