A pre-existing condition is an ailment or illness for which the signs or symptoms were evident up to 6 months before a person became insured by a policy. It is the opinion of the CBHS Corporate Health-appointed doctor that determines whether the signs or symptoms were in existence – that doctor, however, will have regard to any information provided by the member’s doctor.
Members must wait 12 months to be covered for pre-existing condition where they upgrade their cover.