A method of dealing with pre-existing conditions in Private Medical Insurance. It removes the need to disclose evidence of the policyholder's medical history, and is, in effect, a blanket pre-existing condition clause going back between 2-5 years from starting a new plan. The clause excludes cover during an initial period, usually two years, of membership, for any conditions or related conditions for which medical treatment was received, advised on or was known about during a time period, (up to five years) prior to cover commencing. After completing the initial period of two years, all pre-existing conditions then become eligible for benefit, provided that the member has been free from either treatment or advice for that condition during that period.
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