Which term refers to an impairment that has been treated prior to the effective date of the insurance?

The appropriate term for an impairment that has been treated before the insurance policy's effective date is "preexisting condition." This term is widely used in health insurance and refers to any medical condition or diagnosis that existed before a new insurance policy is enacted. Insurers often have specific exclusions or waiting periods related to preexisting conditions, which means that they may not cover costs associated with these conditions until certain criteria are met or until the individual has a clean bill of health for a specified duration.

Acquired condition typically refers to a condition that develops over time rather than being present at birth or arising from a prior impairment, which makes it distinct from preexisting conditions. Contingent condition implies that treatment or coverage is dependent upon certain conditions being met, which does not capture the essence of a preexisting impairment. Current condition suggests that the condition is active and ongoing, which also diverges from the intended meaning of a preexisting impairment that, while it existed before, has already been treated. Thus, preexisting condition is the most accurate and relevant term in this context.