Library wiki

Pre-existing condition

A policy exclusion with clocks and causation — not ‘anything a doctor ever wrote’. Look-back window, disablement window, and what actually caused duties to stop.

Where it is defined

• Language map

  A policy exclusion with clocks and causation — not ‘anything a doctor ever wrote’. Look-back window, disablement window, and what actually caused duties to stop.

  Open in Library →

• Policy scan

  Highlighted in uploaded policy wording (Health story).

  Open in Library →

See also

• Diagnosis
• Cover start
• Date of Absence
• Illness
• Waiting period
• Disability
• Pre-existing

Referenced from

• Condition
• Pre-existing condition vs Date of Absence
• Language gap
• CR403 — Pre-existing condition clause — onus and look-back proof
• CR356 — Two-limb pre-existing exclusion — look-back and first twelve months
• CR351 — Pre-existing exclusion — proximate cause, not every historic diagnosis
• AFCA Approach — ICA s 47 — Section 47: awareness of a pre-existing condition, not the diagnosis label
• AFCA Approach — life insurance non-disclosure — Non-disclosure remedies are not a substitute pre-existing clause
• South Africa — how pre-existing exclusions usually work
• Australia — PDS exclusion, s 47 awareness, and disclosure
• NFO dispute process
• AFCA dispute process