Pre-existing conditions

The definition may address diagnosis, symptoms, advice or treatment, so read the actual wording rather than relying only on when a condition was formally named.

Income’s FlexCare FAQ gives different treatment for pre-existing conditions across benefits. A rule from one benefit should not be applied to the whole group plan.

At renewal or a switch, ask for written confirmation of accepted continuity terms. An uninterrupted employment record does not itself prove that a new insurer covers an existing condition.