y*****7
发帖数: 2869 | 1 最近在换健康保险，之前的保险半年左右，现在开始一个新的保险，它的pre-existing
条款如下，我看着这些条文都比较拗口，有没有通俗版的？我没啥大毛病，最多感冒
啥的。跟这个没啥关系吧。之前拔牙过一次。没有其他的了。
Does the plan have a pre-existing condition clause?
Yes. Pre-Existing Conditions are excluded as follows: Pre-Existing
Conditions, except for individuals who have been continuously insured under
the school’s student insurance policy for at least 12 consecutive months;
The Pre-existing Condition exclusionary period will be reduced by the total
number of months that the Insured provides documentation of continuous
coverage under a prior health insurance policy which provided benefits
similar to the policy; (This exclusion will not be applied to an Insured
Person who is under age 19.)
The term Pre-Existing Condition means 1) the existence of symptoms which
would cause an ordinarily prudent person to seek diagnosis, care or
treatment within the 12 months immediately prior to the Insured's Effective
Date under the policy; or, 2) any condition which originates, is diagnosed,
treated or recommended for treatment within the 12 months immediately prior
to the Insured's Effective Date under the policy. | f****9
发帖数: 417 | 2 This is standard. For example, you cannot buy an insurance policy when you
realize you have heart disease. However, if you have a medical condition
that is covered under your previous policy, and if there is no gap between
your previous policy and your new policy, the medical condition should not
be treated as pre-existing condition. Pregnancy cannot be treated as pre-
exisiting condition. This clause is designed so that people do not buy
insurance after they realize they are sick.
existing
under
total
【在 y*****7 的大作中提到】
: 最近在换健康保险，之前的保险半年左右，现在开始一个新的保险，它的pre-existing
: 条款如下，我看着这些条文都比较拗口，有没有通俗版的？我没啥大毛病，最多感冒
: 啥的。跟这个没啥关系吧。之前拔牙过一次。没有其他的了。
: Does the plan have a pre-existing condition clause?
: Yes. Pre-Existing Conditions are excluded as follows: Pre-Existing
: Conditions, except for individuals who have been continuously insured under
: the school’s student insurance policy for at least 12 consecutive months;
: The Pre-existing Condition exclusionary period will be reduced by the total
: number of months that the Insured provides documentation of continuous
: coverage under a prior health insurance policy which provided benefits
| w*******4
发帖数: 300 | 3 请问，如果怀孕了，两个policy之间有gap,比如学生按semester买保险，学期间隔就是
gap,那学期内的孕期检查之类还是cover的么？ 谢谢！
【在 f****9 的大作中提到】
: This is standard. For example, you cannot buy an insurance policy when you
: realize you have heart disease. However, if you have a medical condition
: that is covered under your previous policy, and if there is no gap between
: your previous policy and your new policy, the medical condition should not
: be treated as pre-existing condition. Pregnancy cannot be treated as pre-
: exisiting condition. This clause is designed so that people do not buy
: insurance after they realize they are sick.
:
: existing
: under
|
|
