Can a group health insurance deny coverage based on pre existing condition if they have no written explanations of such limitations and conditions in any format?

In many jurisdictions, group health insurance plans must comply with certain regulations and provide clear information about coverage, limitations, and exclusions to their members. Generally, they are required to provide a written explanation of any limitations or conditions related to pre-existing conditions.

If a group health insurance plan denies coverage based on a pre-existing condition without providing written explanations or disclosures of such limitations and conditions in any format, it may be considered a violation of insurance regulations and consumer protection laws. As a result, the insurance company may face legal consequences and may be required to provide coverage or rectify the situation.

It's important to note that insurance laws and regulations vary by jurisdiction. Therefore, it is recommended to review the specific laws and regulations applicable to the group health insurance plan in question to determine the requirements for disclosing pre-existing condition limitations and conditions. Additionally, individuals may have the right to file complaints or seek legal advice if they believe their rights have been violated.