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

Actual exam question for Virginia Insurance's Virginia Life Annuities and Health Insurance Series 1101 exam

Question #: 3
Topic #: 10

[All Virginia Life Annuities and Health Insurance Series 1101 Questions]

Pre-existing conditions include conditions of health that:

AAre never insurable under any circumstances or degree of severity

BMust exist before an applicant can be accepted by an insurer

CHave been medically treated or diagnosed prior to the effective date of coverage

DDevelop after the effective date of the policy but before the expiration of the time limit on certain defenses

Show Suggested 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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Avery

5 days 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

10 days 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

15 days 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

20 days 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

26 days 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

1 month 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

1 month 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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