Library wiki
Pre-existing trap
Insurers separate baseline conditions, look-back periods, treatment before cover, and post-inception deterioration. A historic label on a script does not automatically defeat cover if duties stopped after cover started for a worsening trajectory. South African group wording is often two-limb (look-back AND disablement in the first twelve months). Australian files split the PDS definition, Insurance Contracts Act s 47 awareness, and a separate non-disclosure remedy.
Where it is defined
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Policy trap
Insurers separate baseline conditions, look-back periods, treatment before cover, and post-inception deterioration. A historic label on a script does not automatically defeat cover if duties stopped after cover started for a worsening trajectory. South African group wording is often two-limb (look-back AND disablement in the first twelve months). Australian files split the PDS definition, Insurance Contracts Act s 47 awareness, and a separate non-disclosure remedy.
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Policy trap
An old diagnosis is not the same as proving a pre-existing exclusion under your policy dates.