What does 'manifestation date' mean in life and health insurance policies?

The term 'manifestation date' in life and health insurance policies refers to the date when an illness or injury first becomes apparent to the insured. This date is significant because it can impact coverage and the claim process. Insurers often use the manifestation date to determine when the pre-existing condition clause applies or to assess when benefits might be payable under the policy.

Understanding the manifestation date is crucial for policyholders, as it sets the timeline for any related claims. For instance, if an individual becomes aware of a medical condition on a particular date, that manifestation date may be used to evaluate the validity of a claim and whether it falls within the policy's coverage terms.

In contrast, the other options relate to different aspects of the claims process. Filing a claim is an administrative action, while the last date to submit claim documents pertains to deadlines for submitting paperwork. The date insurance coverage begins relates to when protection under the policy starts, which is not aligned with the broader concept of how conditions manifest for the insured.