Direct answer
Yes, because insurance carriers use medical underwriting to assess your risk; pre-existing conditions can either increase your premiums, result in coverage exclusions, or make you ineligible for a policy entirely.
Underwriting guidelines provided by major long-term care insurance carriers. For additional information about how medical factors influence policy eligibility and pricing, see the American Association for Long-Term Care Insurance‘s guide to long-term care underwriting.
What this means for you
Yes, because insurance carriers use medical underwriting to assess your risk; pre-existing conditions can either increase your premiums, result in coverage exclusions, or make you ineligible for a policy entirely.
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