For coverage to apply, what must a pre-existing condition do?

For coverage to apply regarding a pre-existing condition, it is essential that the condition remains stable without new symptoms, treatments, or medications. Insurance providers typically require that a pre-existing condition is not worsening or changing in order to ensure that the risk associated with insuring an individual is manageable. If the condition is stable, the insurer can better assess the level of risk and determine whether coverage can be extended.

Stability of the condition indicates that it is not likely to require significant medical attention or intervention soon, which is a critical factor for the insurer when underwriting policies. Conditions that have become active or require new treatments or changes in medication may signal an increased risk, leading insurers to either deny coverage or impose exclusions related to that condition.