A GUIDE TO CRITICAL ILLNESS INSURANCE
13
Exclusions specific to your coverage
Based on your own health history, your individual policy may be offered with an exclusion.
For instance, one or more medical conditions could be excluded based on your medical
history. This will be clearly indicated in your policy, so you will know the limitation being
applied to your coverage.
Pre-existing covered condition exclusion
In some contracts, typically group or association plans, the payment of a benefit may
also be subject to a pre-existing condition clause. This clause may apply in specific
circumstances early in your coverage, during the period of time specified in your policy.
The critical illness benefit may not be approved if:
• you had signs or symptoms of; or
• you were prescribed medications for; or
• you consulted with a physician for; or
• you were diagnosed with the covered condition within a specified time frame
before your coverage starts.
As always, with exclusions, it's important to review these policy details closely and consult
with your agent or insurer.
UNDERSTANDING WHAT MIGHT BE
EXCLUDED FROM YOUR POLICY
Tip: If your policy is offered through a group or association plan, you may have a plan
administrator who can explain how these exclusions will affect you.
