Which of the following may happen with insurance policies for those with pre-existing conditions?

When it comes to insurance policies for individuals with pre-existing conditions, it is common for insurers to respond by adjusting the terms and conditions of the coverage. This often results in higher premiums or specific exclusions related to the pre-existing condition.

Higher premiums are charged to account for the increased risk that the insurer takes on by covering someone who has a known health issue. Insurance companies evaluate the likelihood of claims based on an applicant's health history. Therefore, individuals with pre-existing conditions are often deemed to have a higher risk of needing medical care, which justifies the increased cost.

In addition to higher premiums, insurers may impose exclusions that limit or deny coverage for particular health issues that are pre-existing. This means that while the individual may be able to obtain coverage, certain claims related to their pre-existing condition may not be eligible for benefits, thereby protecting the insurer from substantial claims costs related to those conditions.

Overall, this context illustrates the balancing act between providing coverage for individuals with pre-existing conditions while managing risk for the insurance company.