Pre–Existing Conditions and Exclusions

Pre–Existing Conditions

After coverage has been in effect for 24 continuous months, Global Medical Insurance^sm provides a US$50,000 lifetime benefit with a maximum of US$5,000 per policy period for pre–existing conditions that existed at or prior to the effective date. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24–month period. This is important since few pre–existing conditions remain free from consultation or treatment and often do not qualify for coverage in standard plans. Global Medical Insurance^sm does not “rider” or charge additional premium for pre–existing conditions. If you disclose a pre–existing condition at the time of application, and we accept you into the plan, you will be covered for eligible medical expenses, after 24 months.

The following illnesses which exist, manifest themselves or are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre–existing conditions: tonsillectomy, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, any condition of the prostate.

.OTHER EXCLUSIONS AND LIMITATIONS*