Which of the following might lead to denial of a claim under a Major Medical policy?

The presence of pre-existing conditions can lead to a denial of a claim under a Major Medical policy because many health insurance plans include specific provisions regarding the treatment of conditions that existed before the coverage began. A pre-existing condition is typically defined as any health issue that a policyholder had prior to obtaining the insurance coverage. Depending on the insurer’s guidelines, coverage for these conditions may be excluded, limited, or subject to waiting periods, thus potentially resulting in a denial of claims related to treatment for those conditions. Insurers may argue that the policyholder should have sought treatment for such conditions before acquiring the insurance, which underscores the importance of understanding the terms related to pre-existing conditions when initiating coverage.