A pre-existing medical condition is a medical condition that you knew about before purchasing your insurance plan. A condition must meet certain criteria to be considered "pre-existing" as defined by the insurance. Generali looks at the 60 days immediately prior to the effective date of your plan. If you had a sickness or injury during this time for which one of the following is true, that condition is a pre-existing medical condition by plan definition.
1. The sickness or injury first manifested itself, worsened, became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care, or treatment, or;
2. Care, testing, or treatment was given or recommended for the sickness or injury; or
3. The sickness or injury required a change in prescribed medication. Change in prescribed medication means the dosage or frequency of a medication has been reduced, increased, stopped, and/or new medications have been prescribed. A change between a brand name and a generic medication with comparable dosage does not apply.
See Plan documents for more information.