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What is 'pre-existing illness'? Does Mult Trip policy cover pre-existing diseases?

A 'pre-existing illness' is one which the person is already suffering from before he buys the policy. For the purpose of this policy, pre-existing disease is defined as:

• An illness which has not been treated

• An illness which is already treated

• An illness for which medical advice has been sought in the last six months before commencement of the trip abroad

This policy does not cover any pre-existing disease. Pre-existing Condition shall mean and include any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and/ or were diagnosed, and/ or received medical advice/ treatment within 48 months to prior to the first policy issued by the Insurer. Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy