Gold
Pre-Existing Conditions Waiver
5. Preexisting Condition Exclusion
There is no coverage for losses under this Certificate incurred because of a condition of a Covered Person, Family Member, Traveling Companion or Family Member of a Traveling Companion if, during the 90 days preceding and including the Coverage Effective Date:
a. There was medical advice or treatment received or recommended by a Physician or Dentist for the condition;
b. Symptoms of the condition were present which would have caused a prudent person to seek medical consultation, dental treatment, advice, examination or treatment; or
c. If during such 90 day period the condition required taking newly prescribed medication or adjusted medication.
The exclusion does not apply to congenital anomalies of Dependent children who are Covered Persons, Family Members or Family Members of Traveling Companions. Routine examinations for physicals, dental check-ups or similar wellness care visits do not trigger the Preexisting Condition exclusion unless the treating Physician or Dentist diagnoses an injury from an Accident or a Sickness during the examination.
We will waive this Preexisting Condition exclusion in relation to a Covered Person if the Covered Person meets all of the following requirements:
a. The Covered Person must be medically able to travel at the time the Policy premium is paid; and
b. The premium under the Policy is paid within 14 days of making the first Covered Trip deposit;
If the Covered Person does not qualify to have the Preexisting Conditions exclusion waived, any Sickness that arises during the Covered Trip that is NOT related to a Preexisting Condition will be eligible for coverage under this Plan.
This exclusion is applicable to all Covered Persons, Traveling Companions, Family Members and Family Members of Traveling Companions, whether or not they are traveling.
There is no coverage for losses under this Certificate incurred because of a condition of a Covered Person, Family Member, Traveling Companion or Family Member of a Traveling Companion if, during the 90 days preceding and including the Coverage Effective Date:
a. There was medical advice or treatment received or recommended by a Physician or Dentist for the condition;
b. Symptoms of the condition were present which would have caused a prudent person to seek medical consultation, dental treatment, advice, examination or treatment; or
c. If during such 90 day period the condition required taking newly prescribed medication or adjusted medication.
The exclusion does not apply to congenital anomalies of Dependent children who are Covered Persons, Family Members or Family Members of Traveling Companions. Routine examinations for physicals, dental check-ups or similar wellness care visits do not trigger the Preexisting Condition exclusion unless the treating Physician or Dentist diagnoses an injury from an Accident or a Sickness during the examination.
We will waive this Preexisting Condition exclusion in relation to a Covered Person if the Covered Person meets all of the following requirements:
a. The Covered Person must be medically able to travel at the time the Policy premium is paid; and
b. The premium under the Policy is paid within 14 days of making the first Covered Trip deposit;
If the Covered Person does not qualify to have the Preexisting Conditions exclusion waived, any Sickness that arises during the Covered Trip that is NOT related to a Preexisting Condition will be eligible for coverage under this Plan.
This exclusion is applicable to all Covered Persons, Traveling Companions, Family Members and Family Members of Traveling Companions, whether or not they are traveling.