united-states insurance
What exactly is a &quot;major medical condition&quot;?
<p>So I'm filling out a prequalification questionnaire for life insurance, and it asks: "Major medical conditions? ( ) Yes ( ) No".</p>

<p>What is a "Major Medical Condition"? Is there a list in law, or an insurance-industry standard?</p>

<p>Specifically in Michigan, if that matters.</p>

<p>Under the <a href="http://www.shrm.org/templatestools/hrqa/pages/howemployeemedicalabsencequalifiesforfmlaleave.aspx" rel="noreferrer">FMLA</a>: </p>

<p>a <strong>serious health condition</strong> is an illness, injury, impairment or physical or mental condition that involves inpatient care (defined as an overnight stay in a hospital, hospice or residential medical care facility; any overnight admission to such facilities is an automatic trigger for FMLA eligibility) or continuing treatment by a health care provider</p>

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<p>Under this definition > <a href="http://www.nap.edu/read/9695/chapter/3#20" rel="noreferrer">Source</a> (See Pages 19-20)</p>

<p><a href="https://i.stack.imgur.com/clFHB.png" rel="noreferrer"><img src="https://i.stack.imgur.com/clFHB.png" alt="enter image description here"></a>
<a href="https://i.stack.imgur.com/vfFoH.png" rel="noreferrer"><img src="https://i.stack.imgur.com/vfFoH.png" alt="enter image description here"></a>
<a href="https://i.stack.imgur.com/5Srtj.png" rel="noreferrer"><img src="https://i.stack.imgur.com/5Srtj.png" alt="enter image description here"></a></p>

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<p>A major medical condition is one that could kill you or cause you to become physically or mentally impaired.</p>
