this pre existing thing......
does it has a duration before it is NOT classified as pre existing?
example....if his son is 1 yrs old, 15 yrs old or 25 yrs old....... does age matters? any different?
example....at what age will then, having cancer.....will not be classified as pre existing? thus covered by insurance?
Not about what age.
That's why we need to be careful when switching new policy/insurance companies particularly medial policy, as if any sickness found later that actually incurred before you bought the new policy, it may not covered by the new policy due to pre-existing clause.
As some illness/sickness may only appear in the later stage, while when diagnosed, medical examination can trace back when the illness actually occurred.
As I have seen some switching medical policy just simply due to a little bit better coverage, or sweet talk by agent, especially for elderly one, as switching may result in the insured faced addition pre-existing risk that do not covered by the new policy.
Cogenital means those problem exist since the child is born.
Edited : technically, since cogenital illness exist before the insurance was bought, so it is still fulfilled the "pre-existing" terminology, strictly speaking.
So there are totally 2 different issues.
This post has been edited by cherroy: Jan 14 2019, 10:44 AM