In a health insurance policy, a statement that an applicant won't be covered for a certain pre-existing condit

Question

In a health insurance policy, a statement that an applicant won't be covered for a certain pre-existing condition is called a/an?

Answer 1

generally they are referred to as "pre-existing conditions"... and are on a case by case system. Items that just flat out aren't covered are referred to as "exclusions"

Answer 2

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RE:
In a health insurance policy, a statement that an applicant won't be covered for a certain pre-existing condit
In a health insurance policy, a statement that an applicant won't be covered for a certain pre-existing condition is called a/an?

Answer 3

As long as you are continuously covered under medical insurance changing insurance companies will not matter. If, however, you had no insurance for more than 3 months and then you get insurance the company could choose not to cover the pre-existing condition. You should go ahead and change jobs now. By the time your wife changes jobs you should be eligible for insurance with your new job and can switch your coverage from your wife's to yours. Then you can cover your wife when she switches jobs for the period of time she won't be covered until she becomes eligible at her new job. Good luck.

Answer 4

It depends on the pre-existing condition and time period. If the pre-existing condition occured less than 2 Years than chances are that you will be considered High Risk. If something that happened 5+ Years with no recurrences, than you will not have any issues. Chances are slim that Insurance company is going to say NO, rather the Cost of the Premium will increase, as there would be greater/substantial risk to insure you.

Before buying, don't be afraid to shop around and ask various agents on their perspectives/suggestions. Also, if you are AAA member, go to their local office and they might be able to point you in the right direction.

Answer 5

It's called a rider.

Answer 6

In common language it's called "rider."

In more formal language it can be called an "endorsement," or "exclusionary endorsement."

Most people call it a "rider."

Answer 7

restriction on pre-existing conditions?maybe