A&H Policy ProvisionsQuestion 629 of 716
A pre-existing condition provision allows the insurer to:
a.Limit or exclude benefits for a condition treated or manifesting before the effective date, for a stated time
b.Deny all future claims of any kind for the entire life of the policy once a pre-existing condition has been identified
c.Cover every condition immediately with no limits
d.Increase the policy's death benefit
Explanation
The provision lets the insurer restrict coverage for conditions that existed before the policy, but only for a defined period, after which they are covered. It does not bar all claims or add a death benefit.
This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
Practice all 716 questions free — no signup required.
Own the complete California Life & Health Insurance Producer Exam guide — PDF + EPUB, $19.99 →
Related questions on this topic
- A probationary period in a health policy is:
- How does an elimination period differ from a probationary period?
- In a disability policy, the benefit period is:
- The coordination of benefits (COB) provision in group health coverage is designed to:
- Under COB, when a child is covered by both parents' group plans, the 'birthday rule' usually makes the primary plan the one belonging to the parent whose:
- Subrogation in a health or medical policy allows the insurer, after paying a claim caused by a third party, to:
Last reviewed: · editorial process
PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)