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Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 1101 Exam - Topic 10 Question 3 Discussion

Pre-existing conditions include conditions of health that:
C) Have been medically treated or diagnosed prior to the effective date of coverage
A) Are never insurable under any circumstances or degree of severity
B) Must exist before an applicant can be accepted by an insurer
D) Develop after the effective date of the policy but before the expiration of the time limit on certain defenses

Virginia Insurance Virginia Life, Annuities, and Health Insurance Examination Series 1101 Exam - Topic 10 Question 3 Discussion

Actual exam question for Virginia Insurance's Virginia Life, Annuities, and Health Insurance Examination Series 1101 exam
Question #: 3
Topic #: 10
[All Virginia Life, Annuities, and Health Insurance Examination Series 1101 Questions]

Pre-existing conditions include conditions of health that:

Show Suggested Answer Hide Answer
Suggested Answer: C

Pre-existing conditions are defined as illnesses or conditions for which an insured received medical advice, diagnosis, or treatment prior to the effective date of coverage.

Exact Extract (Virginia Health Insurance Study Guide): ''Pre-existing condition---any condition for which diagnosis, medical advice, or treatment was received prior to the policy's effective date.''

Reference (Virginia Documents / Study Guide):

--- Virginia Health Insurance Examination Outline, Policy Exclusions and Limitations


by Lisha at Jan 23, 2026, 11:49 AM

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Vi
5 hours ago
A is too extreme. Some conditions can be insurable.
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Sabine
5 days ago
I agree, C seems right. It’s about prior diagnosis.
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Shannon
11 days ago
I think the answer is C. It makes sense that treatment before coverage matters.
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Mozelle
16 days ago
I think A is a bit misleading; some can be insurable with conditions.
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Shasta
2 months ago
B and C are spot on!
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Alishia
2 months ago
Wait, so if I get sick after I buy insurance, it might not be covered?
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Shanice
2 months ago
Totally agree, it's all about what was treated before the policy kicks in.
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Shawnta
3 months ago
Pre-existing conditions are usually those diagnosed before coverage starts.
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Stephaine
3 months ago
Pre-existing conditions? More like "pre-existing excuses to get out of work."
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Ernest
3 months ago
I have a pre-existing condition called "being awesome." Does that count?
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Howard
3 months ago
C makes the most sense. Insurers need to know about any pre-existing issues to determine coverage and pricing.
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Mica
3 months ago
C is the right answer. Insurance companies don't want to cover conditions that existed before the policy was in place.
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Bernardo
3 months ago
The correct answer is definitely C. Pre-existing conditions are those that have been diagnosed or treated before the policy starts.
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Felix
4 months ago
C) Have been medically treated or diagnosed prior to the effective date of coverage.
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Luisa
4 months ago
I’m really unsure about this one. I thought pre-existing conditions could also develop after the policy starts, which makes me think about D, but that doesn’t seem right.
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Deandrea
4 months ago
I practiced a question similar to this, and I feel like the answer is C since it mentions medical treatment prior to the policy.
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Avery
5 months ago
I remember something about how pre-existing conditions are treated differently, but I’m not sure if it’s C or D. They definitely have to be diagnosed before coverage starts, right?
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Leonor
5 months ago
I think pre-existing conditions are those that must exist before an applicant can be accepted by an insurer, so I’m leaning towards B.
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Pamella
5 months ago
I'm a little confused by the wording of the options. I'll need to re-read this a few times to make sure I understand what they're asking.
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Dusti
5 months ago
I'm confident C is the right answer. The question is specifically asking about conditions that existed prior to the coverage, so that's the key.
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Alva
5 months ago
Okay, let me think this through. A pre-existing condition is something that existed before the policy, so C seems like the best answer.
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Oliva
6 months ago
Hmm, I'm not sure about this one. The wording is a bit tricky. I'll need to read through the options carefully.
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Dalene
6 months ago
I think the answer is C. Pre-existing conditions are those that have been diagnosed or treated before the policy starts.
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