The definition of pre-existing condition said, if your employees are already sick you must have to obey the defined pre-existing rule of the health insurance company. The health insurance contracts may contain up to a twelve-month waiting period before pre-existing conditions. The pre-existing condition is a condition for which medical suggestion was given or treatment was recommended or received from a physician within six months before the effective date of coverage. Preexisting conditions must be covered by long-term care insurance policies. Under the pre-existing conditions the person required medical treatment, consultation, or expense during the 5 years immediately prior to his/her coverage effective date.
One of the good features of supplemental health insurance is it offers payment for pre-existing medical conditions in the beginning. While you cant get the see pre-existing medical conditions under the other types of medical insurance in the beginning. Normally a waiting period of twelve months under pre-existing conditions defined as any condition for which you received care or treatment for the past (generally 6 month or 1 year) will not be covered.
In USA Medicare is the primary health insurance but it can't provide long-term health care at home or in a nursing facility, or prescription drugs. The supplemental health insurance is the best option, which cover pre-existing condition.
