What is a Pre-Existing Medical Condition?
A pre-existing medical condition refers to any health issue or diagnosis you’ve received before applying for life insurance. This could include chronic illnesses, past injuries, or conditions that have required medical advice or treatment. Insurers use this information to assess the level of risk when offering coverage.
Conditions like diabetes, high blood pressure, asthma, or a history of heart disease are commonly considered pre-existing. However, the definition can vary between insurers, so disclosing your full medical history during the application process is important. This ensures that your policy accurately reflects your circumstances.
