Please read this post and associated comments at its new location. An Insurance Blog is moving to a new location: www.aninsuranceblog.com.
Insurance companies prefer to provide insurance for things that are not likely to happen. As a result, they instituted a clause called a pre-existing condition clause. What this means is that if you have a medical condition that was diagnosed prior to applying to a health insurance company. That earlier diagnosed conditions is called a pre-existing condition.
Generally, pre-existing conditions are excluded. Some more lenient insurance companies will put a waiting period on the pre existing condition. For example, if your pre-existing condition is diabetes... Please read the remainder of this post at the new location.