In Pennsylvania Accident and Health Insurance policies, an illness or disease that is first diagnosed and treated while the policy is in force is defined as asickness. This definition is standard across Pennsylvania-approved policy forms and licensing study materials. A sickness must originate while the policy is active and not result from an excluded cause to be eligible for coverage.

A preexisting condition refers to an illness or disease that existed or was treated before the policy’s effective date, even if symptoms were not fully apparent. Accidental injury involves bodily harm caused by accidental means and is distinct from illness. An exclusion is a policy provision that eliminates coverage for specific conditions or events.

Pennsylvania insurance education materials stress the importance of timing in determining whether a condition qualifies as a sickness or a preexisting condition. Since the illness was first diagnosed and treated during the policy period, it is considered a sickness, making option A the correct and verified answer.