Federal Medical Insurance Pool (FMIP) does not have a pre-existing exclusionary period.
It is important that you read your contract thoroughly and understand that the OMIP contracts have a six-month limitation for pre-existing conditions, including pregnancy.
A pre-existing condition is one for which medical advice, diagnosis, care, or treatment was recommended or received in the six months before OMIP coverage began.
If you, or any of your dependents, applying for OMIP have a pre-existing condition, OMIP contracts will not cover or pay for anything related to the pre-existing condition for the first six months of the policy.
*Note: there is no pre-existing waiting period if you are coming to OMIP via the portability route and you have had continuous group coverage for the past six months. OMIP will give month-to-month credit towards the waiting period if the member can provide a valid certificate of creditable coverage showing the start and termination dates of the prior coverage. To receive credits, the effective date must be within 63 days from the previous coverage end date.
