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Even if you have a High Deductible Health Plan, or traditional medical insurance, you may not be covered for all of the expenses related to the treatment and recovery from a major illness. Combined with Accident or Disability insurance, Critical Illness insurance can help ensure you’ll be better prepared to cover out-of-pocket expenses in the event of a serious illness. 

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Is there a pre-existing condition?

No. This coverage is offered on a guaranteed issue basis.  So, when you enroll, you are automatically issued coverage.  Any new accident that occurs to a covered member on or after the effective date will be covered.