Insurance exclusion wording for GERD / Acid Reflux
I've searched for this but was overwhelmed by the amount of irrelevant results. I'm considering changing insurance firms. I have one existing condition that will surely be excluded. But I have no idea how broadly or narrowly insurance companies define exclusions for those with GERD as a pre-existing condition. The current policy states "Exclusion from digestives disorders and their consequences." Doesn't define what those disorders are. This time I'll be smart enough to ask the insurance company for elaboration if I get such a general statement. In the mean time, would anyone care to post the wording for their exclusion?
Yes, I've searched for what are considered digestive disorders. Found several lists. The one used by the insurance company I'm considering is the only one that matters, IMHO.
ER Oct 2008 at age 54. An expat mostly settled in Thailand.