pre-existing medical condition definition
Pre-existing conditions are medical conditions that existed before an insurance policy was taken out. Insurers usually exclude claims arising from pre-existing conditions, because insurance policies are intended to cover unexpected occurrences. An exclusion for pre-existing conditions is common in health-related insurance policies, such as private medical insurance and payment protection insurance (PPI). But the exclusion is also used in other policies - for example, pet insurance and travel insurance.