Marketing is about communicating the value of a product, service or brand to customers or consumers for the purpose of promoting or selling that product, service, or brand.he oldest â and perhaps simplest and most natural form of marketing â is 'word of mouth' (WOM) marketing, in which consumers convey their experiences of a product, service or brand in their day-to-day communications with others.
Pre-existing conditions are medical conditions that existed before an insurance policy was taken out. Insurers usually exclude claims arising from pre-existing conditions, because insurance policies are intended to cover unexpected occurrences. An exclusion for pre-existing conditions is common in health-related insurance policies, such as private medical insurance and payment protection insurance (PPI). But the exclusion is also used in other policies - for example, pet insurance and travel insurance.
Individual plans and pre-existing conditions. Currently, if you apply for an individual health plan, the insurance company can refuse to cover you or decide to charge you more if you are an adult with a pre-existing condition. 1  This will change when new patient protections start in 2014.