Pre-Existing Condition

• Medical
  • Pre-Existing Condition

  • No coverage
    Pre-existing look-back period 180 days

• What is Pre-Existing Condition?
  A Pre-Existing Condition is an illness or other medical condition that was treated, diagnosed, or changed during a policy’s lookback period.

• What am I covered for?
  GENERAL EXCLUSIONS

  This policy does not cover any Loss caused by or resulting from:

  Pre-existing Medical Conditions, unless otherwise covered under the policy.

  “Pre-existing Medical Condition” means a condition for which the Insured, Traveling Companion, or Family Member has, within the period listed in the Schedule and ending on the Insured’s coverage Policy Effective Date;

  a) Had symptoms which would have prompted a reasonable person to seek medical advice or treatment; or
  b) Received medical advice or treatment; or
  c) Been required to take prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines.

  A dependent child born or placed for adoption while this coverage is in force and any condition from which death ensues will not be considered a Pre-Existing Medical Condition.

  Pre-existing Medical Condition Look back period Prior to the Policy Effective Date: 180 Days.