preexistujícítilanteet

Preexistující tilanteet refers to conditions that a person has before the start of a new insurance policy or contract, particularly in the context of health or life insurance. These are illnesses, diseases, or injuries that an individual has been diagnosed with or has received medical treatment for prior to the effective date of the coverage. Insurance providers often have specific rules regarding preexistující tilanteet, which can affect whether the condition is covered, if there is a waiting period before coverage begins, or if premiums are adjusted.

The definition of a preexistující tilanteet can vary between different insurance policies and jurisdictions. Generally, it involves a condition for which medical advice, diagnosis, care, or treatment was recommended or received within a specified period before the policy's inception. This is to prevent individuals from purchasing insurance only after they know they will require significant medical expenses. Many insurance regulations aim to balance the protection of insurers from adverse selection with the need to provide coverage for individuals with pre-existing health issues. Policies may either exclude coverage for these conditions for a set period or require a probationary period before they become eligible for benefits.