"Condition exclusions" refers to situations or circumstances that are not covered or included in a particular agreement, policy, or rule. It means that specific conditions or situations are excluded or not accounted for, and therefore, are not eligible for consideration or benefits.
Full definition
Make sure you ask whether your pre-existing
condition exclusion waiver applies to only the policy holder, or to their immediate family as well.
However, they may impose a pre-existing
condition exclusion period of up to twelve months upon those individuals who do not have prior continuous coverage.
Many travel insurance policies have a pre-existing medical
condition exclusion for travelers, meaning complications of existing health concerns may not be covered when they happen abroad.
In many situations, travel insurance policies will only waive the pre-existing medical
condition exclusion with an early purchase.
You can still make sure you have trip cancellation and travel medical coverage by purchasing a travel protection plan that offers the pre-existing medical
conditions exclusion waiver.
If the child is 19 or older, the insurer may exclude coverage of pre-existing conditions for a period of time, as allowed by existing state and federal law, until the prohibition on
preexisting condition exclusions takes effect in 2014.
Some companies also waive pre-existing
conditions exclusion if you buy travel insurance any time within 24 hours of FINAL trip payment.
Travel insurance plans that are limited to US and Canadian residents often have a waiver for pre-existing
condition exclusions in the event certain conditions are met.
For applicants with continuous prior coverage (no more than a 63 da gap) under an employer - sponsored plan, Blue Cross and Blue Shield of Illinois provides credit against the individual plan pre-existing
condition exclusion waiting period.
Please see LoanProtector booklet for full details, including eligibility requirements and exclusions, pre-existing
health condition exclusions, privacy and confidentiality of personal information.
So, don't forget to check the pre-existing
condition exclusions before the end of your 30 day free look period to make sure your CI policy coverage extends to every condition you think it does to make sure you will be eligible for your critical illness benefit.
Travel Insured International will allow purchase for a one way trip, but you will not receive a waiver for the pre-existing
conditions exclusion even if purchased within 14 days of first deposit.
Only travel insurance package plans offer the ability to waive the pre-existing
condition exclusion as long as the insured follows the rules for purchasing it within the appropriate time frame and covering the full length and cost of the trip.
A pre-existing condition waiver is called that because it is a waiver that overcomes the pre-existing medical
condition exclusion listed in travel insurance plans.
Liaison Continent plans E and F has a pre-existing
condition exclusion wavier up to $ 25,000 for persons below the age of 70 years ($ 5,000 for 70 years and above) for U.S. residents traveling outside the home country.
The pre-existing
condition exclusion usually does not apply to repatriation of mortal remains, loss of checked luggage, baggage delay, AD&D (Accidental Death and Dismemberment) or Collision Damage Waiver.
Pre-existing
condition exclusions made it difficult for people with even simple pre-existing conditions to get health insurance coverage for reasonable premiums.
Prior to January 1, 2014, when guaranteed issue of insurance coverage, elimination of
preexisting condition exclusions, and several other critical ACA protections took effect for individual health insurance coverage, early retirees between ages 55 and 64 often faced difficulties obtaining insurance in the individual market because of age or chronic conditions that made coverage unaffordable or inaccessible.
Pre-existing medical
conditions exclusion waiver applies if purchased within 14 days of the initial trip payment or deposit and full trip cost is insured
Now, the ACA forbids pre-existing
condition exclusions in all comprehensive major - medical insurance plans except grandfathered individual health plans.
If you're worried about traveling because you have a pre-existing medical condition, you should know that on many Travel Guard policies purchasing your travel insurance the same day you make your first trip deposit (or shortly after) may qualify you for the pre-existing
medical condition exclusion waiver.
For most all travel insurance policies, the
pre-existing condition exclusion does apply to a non-traveling family member and the sickness or injury which requires cancellation, interruption or delay of your trip must be unforeseen.
To be eligible for the waiver of pre-existing medical
condition exclusion, their plans must be purchased within 21 days from the time you make your initial deposit to TravelQuest.
To be eligible for the waiver of pre-existing medical
condition exclusion, Travelex plans must be purchased within 21 days from the time you make your initial deposit to TravelQuest.
A: Ending preexisting -
condition exclusions and requiring health insurance companies to provide insurance to all takers would be difficult without the mandate.
Some limitations and exclusions apply (including pre-existing
condition exclusions).
Currently, only medically underwritten plans like short term medical plans are subject to pre-existing condition exclusions
CIBC Travel Insurance is subject to eligibility conditions, limitations and exclusions (including pre-existing medical
condition exclusions), which are contained in the certificate of insurance you receive following enrollment.
We tell our friends that to avoid any preexisting
condition exclusions, get the policy as soon as you bring your puppy home.»
Please note that TIS will waive the pre-existing
condition exclusion and provide other added benefits, including a «Cancel / Interruption for Any Reason» upgrade option, if you apply for travel insurance within 21 calendar days of our receipt of your initial deposit.
Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing
condition exclusion, that are fully described in the Certificate of Insurance which is issued if accepted for enrollment.
If all conditions are met, the pre-existing medical
condition exclusion will be waived up to the maximum listed in the policy.
Please Note: To be eligible for the waiver of pre-existing medical
condition exclusion, the protection plan must be purchased within 15 days (Travel Basic) or 21 days (Travel Select) from the time you make your initial trip deposit.
The case concerned the application of a preexisting
condition exclusion and a contractual limitation period, as well as ERISA preemption of state law claims.
The Defendant refused to pay relying on a pre-existing
condition exclusion in the policy.
Unlike the Universal Cruise plan, but similar to the Choice Cruise plan, this plan includes a pre-existing
conditions exclusions waiver.