During a stated initial period of coverage, long-term care insurance policies normally exclude conditions that are?

Long-term care insurance policies often include an exclusion for conditions that have been previously treated during the initial period of coverage. This is because insurers want to mitigate the risk of claims related to pre-existing conditions that have already been addressed by previous medical interventions. By excluding previously treated conditions, insurers can maintain control over potential costs and ensure that they are providing coverage for new health issues rather than those that the insured has already received care for. This aligns with the common practices in health insurance where pre-existing conditions are similarly treated to protect the insurance provider from immediate and potentially high claims based on a policyholder's medical history.