Several of our student plans do cover pre-existing health conditions. Pre-existing conditions are defined by the policy as "an injury, illness or condition which was contracted or which first manifested itself, or for which a licensed physician was consulted, or for which treatment or medication was prescribed, prior to the effective date of the insurance plan.
Most plans will exclude a pre-existing condition from coverage for a short waiting period of 6 to 12 months following the effective date of coverage unless stipulated by State or Federal regulation. A Covered Person seeking coverage of a pre-existing condition must fulfill this waiting period without any gaps in insurance.
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AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ..
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