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Regulation of pre-existing condition exclusions in individual (non-group) and small group (2 to 50 employees) health insurance plans in the United States was left to individual U.S. states as a result of the McCarran–Ferguson Act of 1945 which delegated insurance regulation to the states and the Employee Retirement Income Security Act of 1974 ...
Travel insurance is an insurance product for covering unexpected losses incurred while travelling, either internationally or domestically. Basic policies generally only cover emergency medical expenses while overseas, while comprehensive policies typically include coverage for trip cancellation, lost luggage , flight delays , public liability ...
In 2008, an estimated 5 million of those without health insurance were considered "uninsurable" because of pre-existing conditions. [44] Proponents of medical underwriting argue that it ensures that individual health insurance premiums are kept as low as possible. [45] Critics of medical underwriting believe that it unfairly prevents people ...
With the exception of knee and ligament conditions, Hartville’s insurance policies will reimburse for the treatment costs of pre-existing conditions after a treatment- and symptom-free period of ...
Understanding Pre-Existing Conditions. For example, if your dog was diagnosed with a torn ligament before you purchased pet insurance, you couldn’t file a claim for any medical treatments ...
Coverage for a pre-existing condition, if available, can result in a higher premium or deductible. Your deductible. Policies with a higher deductible usually have a lower premium (and vice versa).
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