What is typically defined as a 'sickness' under a health insurance policy?

The definition of 'sickness' within a health insurance policy generally refers to an illness that first appears during the coverage period of the policy. This means that if an individual develops a medical condition after the policy has taken effect, it would be classified as a 'sickness' under the terms of that policy. This is a crucial aspect, as coverage for new illnesses, also known as "sickness," is typically one of the primary points of health insurance.

Other options may point to various health situations, but they do not align with the common definitions found in health insurance agreements. For instance, injuries sustained while insured are categorized separately from sickness, often under accident coverage. Chronic conditions that existed before acquiring the policy usually fall under pre-existing conditions, which can significantly affect coverage eligibility. Temporary ailments may not meet the criteria for 'sickness' as defined by many policies, particularly if they do not require ongoing treatment or long-term care. Thus, option B aligns directly with the standard language seen in health insurance documents regarding coverage for illness.