Common use of Pre-Existing Conditions Clause in Contracts

Pre-Existing Conditions. Pre-existing conditions fall into two (2) categories: (a) Disclosed at the time of the application: i. Free of symptoms, signs, and treatment during the five (5) year period prior to the effective date of the policy, pre-existing conditions are covered upon expiration of the sixty-day (60-day) waiting period, unless specifically excluded by an amendment to the policy. ii. With symptoms, signs, or treatment any time during the five (5) year period prior to the effective date of the policy, pre-existing conditions will be covered after two (2) years from the effective date of the policy, unless specifically excluded by an amendment to the policy. (b) Not disclosed at the time of application: Pre-existing conditions not disclosed at the time of the application will NEVER be covered during the lifetime of the policy. Furthermore, the insurer retains the right to rescind, cancel or modify the policy based on the insured’s failure to disclose any such conditions.

Pre-Existing Conditions. Pre-existing conditions fall into two (2) categories: (a) Disclosed at the time of the application: i. Free of symptoms, signs, and treatment during the five (5) year period prior to the effective date of the policy, pre-existing conditions are covered upon expiration of the sixtythirty-day (6030-day) waiting period, unless specifically excluded by an amendment to the policy. ii. With symptoms, signs, or treatment any time during the five (5) year period prior to the effective date of the policy, pre-existing conditions will be covered after two (2) years from the effective date of the policy, unless specifically excluded by an amendment to the policy. (b) Not disclosed at the time of application: Pre-existing conditions not disclosed at the time of the application will NEVER be covered during the lifetime of the policy. Furthermore, the insurer retains the right to rescind, cancel or modify the policy based on the insured’s failure to disclose any such conditions.

Pre-Existing Conditions. Pre-existing conditions fall into two (2) categories: (a) Disclosed at the time of the application: i. Free of symptoms, signs, and treatment treat- ment during the five (5) year period prior to the effective date of the policy, pre-existing conditions are covered upon expiration of the sixtythirty-day (6030-day) waiting period, unless specifically excluded by an amendment to the policy. ii. With symptoms, signs, or treatment treat- ment any time during the five (5) year period prior to the effective date of the policy, pre-existing conditions will be covered after two (2) years from the effective date of the policy, unless specifically specifi- cally excluded by an amendment to the policy. (b) Not disclosed at the time of applicationappli- cation: Pre-existing conditions not disclosed at the time of the application applica- tion will NEVER be covered during the lifetime of the policy. Furthermore, the insurer retains the right to rescind, cancel or modify the policy based on the insured’s failure to disclose any such conditions.

Pre-Existing Conditions. Pre-existing conditions fall into two (2) categories: (a) Disclosed at the time of the application: i. Free of symptoms, signs, and treatment during the five (5) year period prior to the effective date of the policy, pre-existing conditions are covered upon expiration of the sixtythirty-day (6030-day) waiting period, unless specifically excluded by an amendment to the policy. ii. With symptoms, signs, or treatment treat- ment any time during the five (5) year period prior to the effective date of the policy, pre-existing conditions will be covered after two (2) years from the effective date of the policy, unless specifically specifi- cally excluded by an amendment to the policy. (b) Not disclosed at the time of applicationappli- cation: Pre-existing conditions not disclosed at the time of the application applica- tion will NEVER be covered during the lifetime of the policy. Furthermore, the insurer retains the right to rescind, cancel or modify the policy based on the insured’s failure to disclose any such conditions.

Pre-Existing Conditions. Pre-existing conditions fall into two (2) categories: (a) Disclosed at the time of the application: i. Free of symptoms, signs, and treatment during the five (5) year period prior to the effective date of the policy, pre-existing conditions are covered upon expiration of the sixtythirty-day (6030-day) waiting period, unless specifically specif- ically excluded by an amendment to the policy. ii. With symptoms, signs, or treatment any time during the five (5) year period prior to the effective date of the policy, pre-existing conditions will be covered after two (2) years from the effective date of the policy, unless specifically excluded by an amendment to the policy. (b) Not disclosed at the time of application: Pre-existing conditions not disclosed at the time of the application will NEVER be covered during the lifetime of the policy. Furthermore, the insurer retains the right to rescind, cancel or modify the policy based on the insured’s failure to disclose any such conditions.

Pre-Existing Conditions. Pre-existing conditions fall into two (2) categories: (a) Disclosed at the time of the application: i. Free of symptoms, signs, and treatment treat- ment during the five (5) year period prior to the effective date of the policy, pre-existing conditions are covered upon expiration of the sixty-day (60-day) waiting period, unless specifically excluded by an amendment to the policy. ii. With symptoms, signs, or treatment treat- ment any time during the five (5) year period prior to the effective date of the policy, pre-existing conditions will be covered after two (2) years from the effective date of the policy, unless specifically specifi- cally excluded by an amendment to the policy. (b) Not disclosed at the time of applicationappli- cation: Pre-existing conditions not disclosed at the time of the application applica- tion will NEVER be covered during the lifetime of the policy. Furthermore, the insurer retains the right to rescind, cancel or modify the policy based on the insured’s failure to disclose any such conditions.

Pre-Existing Conditions. Pre-existing conditions fall into two (2) categories: (a) Disclosed at the time of the application: i. Free of symptoms, signs, and treatment during the five (5) year period prior to the effective date of the policy, pre-existing conditions are covered upon expiration of the sixty-day (60-day) waiting period, unless specifically excluded by an amendment to the policy. ii. With symptoms, signs, or treatment treat- ment any time during the five (5) year period prior to the effective date of the policy, pre-existing conditions will be covered after two (2) years from the effective date of the policy, unless specifically specifi- cally excluded by an amendment to the policy. (b) Not disclosed at the time of applicationappli- cation: Pre-existing conditions not disclosed at the time of the application applica- tion will NEVER be covered during the lifetime of the policy. Furthermore, the insurer retains the right to rescind, cancel or modify the policy based on the insured’s failure to disclose any such conditions.