Pre-existing health conditions refer to medical issues that an individual has before obtaining a new health insurance policy or before a specific event, such as surgery or pregnancy. These conditions can include chronic diseases like diabetes, asthma, or heart disease, and they may affect a person's eligibility for certain types of coverage or the cost of premiums. Insurance companies often consider pre-existing conditions when determining coverage options. Some policies may exclude these conditions from coverage or impose waiting periods before benefits become available. Understanding how pre-existing conditions impact health insurance is essential for individuals seeking adequate medical care and financial protection.