The Policy does not cover Preexisting Conditions for the first six months following effective date of an Insured Person's coverage. However, the Company will waive this Limitation for an Insured who:
- Has been Continuously Insured, as defined below, for at least 12 consecutive months under one or more student insurance policies issued to the Policyholder; or
- Can provide satisfactory evidence of prior Creditable Coverage, as defined below. To qualify for this waiver, an Insured or his or her Insured Dependent must fulfill all of the following requirements:
- He or she must not be covered under any other health insurance.
- He or she must have had health insurance for a total of 18 months, with no break in coverage longer than 63 days.
- His or her most recent coverage must meet the definition of Creditable Coverage shown below.
- He or she must have elected and exhausted any continuation of coverage under COBRA or similar state program.
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