A pre-existing medical condition refers to any health issue or illness that a person has before obtaining a new health insurance policy or before receiving medical treatment. These conditions can include chronic diseases like diabetes, asthma, or heart disease, as well as past injuries or surgeries. Insurance companies often consider these conditions when determining coverage and premiums. When applying for health insurance, individuals may need to disclose their pre-existing conditions. This information helps insurers assess risk and decide on coverage options. Some policies may have waiting periods or exclusions for treatment related to these conditions, impacting the overall cost and availability of care.