Visitors Care

Plan Detail

Plan Administrator:  International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

Acute Pre-Ex Coverage


ACUTE ONSET OF PRE-EXISTING CONDITIONS

Subject to the applicable Deductible and Coinsurance and the various limits and sub-limits set forth in the BENEFIT SUMMARY, and the Terms of this insurance, including without limitation the CONDITIONS AND RESTRICTIONS subparagraph below, and in the event the Insured Person suffers or experiences an Acute Onset of a Pre-existing Condition during the Period of Coverage for which immediate Treatment is essential and necessary to stabilize the Pre-existing Condition, the Insured Person will be reimbursed up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred during the Period of Coverage with respect to the Acute Onset of the Pre-existing Condition.

Acute Onset of Pre-existing Conditions


Insured Person must be under 70 years of age

Refer to the ACUTE ONSET OF PRE-EXISTING CONDITIONS provision for further details and requirements

Maximum Limit: $25,000


or

Maximum Limit: $50,000

or

Maximum Limit: $100,000

Emergency Medical Evacuation

Arises or results directly from a covered Acute Onset of a Pre-existing Condition

Insured Person must be under 70 years of age

Maximum Limit: $25,000


or

Maximum Limit: $50,000

or

Maximum Limit: $100,000

CONDITIONS AND RESTRICTIONS

To be eligible for the foregoing limited coverage and benefits for an Acute Onset of a Pre-existing Condition, the Insured Person must be in compliance with all Terms of this insurance. The Company will provide such coverage and benefits only when all of the following conditions and restrictions have been met. At the time of the Acute Onset of the Pre-existing Condition:

(a) Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or reoccurrence

(b) the Insured Person must be under seventy (70) years of age

(c) the Insured Person must not be traveling against or in disregard of the recommendations, established Treatment programs, or medical advice of a Physician or other healthcare provider

(d) the Insured Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition

(e) the Insured Person must not be traveling during a period of time when the Insured Person is preparing or waiting for, involved in, or undertaking a new, changed or modified Treatment program with respect to the Pre-existing Condition, and is not traveling subsequent to any such new, changed or modified Treatment program having been advised or recommended

(f) the Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment

(g) the Insured Person must be traveling outside their Country of Residence.

Pre-existing Condition

Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance.

Sudden and Unexpected Reoccurrence of a Pre-existing Condition

A sudden and unexpected outbreak or reoccurrence of a Pre-existing Condition is a condition:

(a) that occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care

(b) that occurs after the Effective Date

(c) for which Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence.

A Pre-existing Condition is not a Sudden and Unexpected Reoccurrence of a Pre-existing Condition where:

(a) the Pre-existing Condition is chronic, congenital or a condition that gradually becomes worse over time

(b) medical care, drugs or Treatments were received, expected, scheduled, or required thirty (30) days prior to the Effective Date.