An individual health insurance policy provision excluding coverage for impairments that were present or were treated during a specified period prior to the effective date of the policy is called a(n)

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A preexisting-conditions clause excludes coverage for impairments that were present or treated prior to the effective date of the policy. Time limit on certain defenses refers to the time frame within which an insurer can contest a claim or deny coverage for certain reasons. Benefit period provision refers to the duration for which benefits will be paid for a covered claim. Elimination period refers to the initial waiting period before benefits kick in for a covered claim.

An Individual Health Insurance Policy Provision Excluding Coverage for Impairments