How is a pre-existing condition defined? Does a cold before buying count in Luoyang?

[Direct conclusion] 【A pre-existing condition is an illness or symptom you already had and knew about before buying, usually one already diagnosed, or symptoms that were obvious and ongoing. Key points to keep in mind: 1. A common cold or a passing complaint that clears up is generally not counted.】 How it is judged: The test is whether you knew about it and had already sought a diagnosis. 2. | Situation | Pre-existing | |---|---| | Diagnosed chronic illness | yes | | Seen a doctor before buying | yes | | An occasional cold | generally no | | Undiagnosed discomfort | depends if ongoing | ◆ Tip: when in doubt, disclose it and let the insurer decide; that is far safer than being caught out later. 3. We flag what must be declared. 4. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. Note: Read the coverage and the exclusions before purchasing. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.