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In the context of healthcare in the United States, a pre-existing condition is a medical condition that started before a person's health insurance went into effect. Before 2014, some insurance policies would not cover expenses due to pre-existing conditions. These exclusions by the insurance industry were meant to cope with adverse selection by potential customers. Such exclusions have been prohibited since January 1, 2014, by the Patient Protection and Affordable Care Act.

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  • Pre-existing condition (en)
  • Doença preexistente (pt)
  • 既有身體狀況 (zh)
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  • 所謂既有身體狀況(英語:Pre-existing condition),在美國的醫療衛生中表達的是一個人在醫療保險生效之前即已存有的疾病。在2014年之前,如果投保人有這種情況,有些保險單就不會為因此發生的醫療相關費用提供覆蓋。保險業做這種排除的原因是為防止客戶的逆向選擇。自2014年1月1日起,《患者保護與平價醫療法案》(PPACA,或稱ACA)禁止在保單裡面設有這種的條款。 根據提供的數據,在2016年,65歲以下的美國成年人中有四分之一以上(約5,200萬人)罹患既有身體狀況。 (zh)
  • In the context of healthcare in the United States, a pre-existing condition is a medical condition that started before a person's health insurance went into effect. Before 2014, some insurance policies would not cover expenses due to pre-existing conditions. These exclusions by the insurance industry were meant to cope with adverse selection by potential customers. Such exclusions have been prohibited since January 1, 2014, by the Patient Protection and Affordable Care Act. (en)
  • Doença preexistente A Doença preexistente é aquela que o paciente foi diagnosticado antes de contratar um seguro saúde, plano de saúde, seguro de vida ou qualquer negócio que se tenha tratado. Esta condição está ligada diretamente ao benefício contratado pela pessoa. Nos casos de planos de saúde e seguro saúde, as carências para o beneficiário deste serviço dicam estipuladas em 24 meses para internações, cirurgias e exames complexos que exijam internações. De acordo com o site Jurídico Certo, a palavra "doença preexistente" não é um conceito médico, mas sim, um conceito contratual que visa os interesses da Operadora de Planos de Sáúde. O site Planos de Saúde Regional informa que por lei grupo empresariais com trinta vidas ou mais não podem aplicar carências nem mesmo para doenças preexiste (pt)
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