Disabilities caused by pre-existing conditions may not be covered in some situations. We’ll ask you about your medical history during the application. Disabilities caused or contributed to by a pre-existing condition we ask you about on the application won’t be covered if the disability begins before the policy has been in force for 24 months. Disabilities caused by a pre-existing condition we don’t ask you about won’t be covered if the disability begins before the policy has been in force for 12 months.
For reference, a pre-existing condition is defined as one for which…
Symptoms existed that would reasonably cause an ordinarily prudent person to seek diagnosis, care, or treatment within the year before the policy issue date
Medical advice, diagnostic testing, or treatment was recommended or received by a physician within the two years before the policy issue date
A qualified health professional prescribed drugs or medication within the two years before the policy issue date