most of the time tre-exising conditions need to be treated to be considered pre-exsiting. but sometimes the knowlege of the condition can be a down fall....some products have the stipulation in the policy, when did illness or accident occur, if insured states before the effictve date of coverage the claim can be dened

however there are other ones that state, that the illness or accident needs to be noted and treated prior to the effective date.

make since? it depends on the product.

Most insurance policies ask the question in terms that they can stick you...such as "have you received treatment, diagnosis or care or should you have reasonably known that you shouold receive treatment or care for a condition....etc". If you say no and then go to a doctor and he says "so, how long has this been bothering you?" and you tell the truth, then the insurance can cancel your policy for failing to disclose health information. I am by no means saying this is correct, it is just one of the wonderful things they like to do. The patient could always lie and say, "oh I just noticed this yesterday", but that is insurance fraud, technically, and the patient would have to decide how she feels about that. Insurance sucks. Good luck.

It also depends on the type of insurance you are wanting....health and disability insurances are different. also different types of dislability insureances dont' ask the same questions.


good luck

it ia also depend on you what type of insurance you need.