Pre-Existing conditions are conditions a policyholder had prior to the effective date of coverage, whether known or unknown. They are typically lifelong and chronic conditions such as diabetes and high blood pressure.
An acute onset of a pre-existing condition is a sudden occurrence or manifestation of the prior condition. The acute onset is a sudden and unexpected outbreak or recurrence of a prior condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
To learn more about the difference between a pre-existing condition and an acute onset of a pre-existing condition, click here.
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