Definition: The term "insurance with pre-existing conditions" typically refers to a form of insurance that requires an individual or family to be healthy, fit, and in good health before seeking coverage from the insurer. Under this concept, if you are already in excellent health and have no existing medical conditions, it is possible for you to obtain insurance coverage without having any prior medical history. In other words, you would only need to undergo regular check-ups or treatment before beginning your coverage. The term "pre-existing condition" refers to a specific set of medical issues that exist at the time of enrollment in a policy. This can be due to previous illnesses, surgeries, genetic factors, or lifestyle choices such as smoking. For example, someone might not need to undergo any check-ups because they have no history of diabetes or high blood pressure. However, if they do have a pre-existing condition that affects their health (like heart disease) and the policy covers it, you will likely be required to go through regular screenings or treatments before coverage is considered. This concept has been around for a few decades in the United States and is now legal in most states, as well as internationally.
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