Direct answer
It depends on whether your policy includes a ‘pre-existing condition’ clause and the specific terms regarding genetic predispositions, as some insurers require a medical underwriting process that accounts for family history. Coverage for cancer is generally provided upon diagnosis, provided it meets the definition of a covered condition stipulated in your policy document.
Standard insurance policy provisions and underwriting guidelines published by regional regulatory bodies. For additional information about insurance regulations and consumer protections, see the National Association of Insurance Commissioners.
What this means for you
It depends on whether your policy includes a ‘pre-existing condition’ clause and the specific terms regarding genetic predispositions, as some insurers require a medical underwriting process that accounts for family history. Coverage for cancer is generally provided upon diagnosis, provided it meets the definition of a covered condition stipulated in your policy document.
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