意外与健康保单条款第 629 / 716 题
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
解析
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.
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审核人 John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — 核实)