Pre-existing Condition is any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom, whether or not previously manifested or known, diagnosed, treated, or disclosed. Most of the plans cover only Acute onset of a preexisting condition. The restriction on how acute onset of a preexisting condition coverage is based on the insurance carrier which we choose. But the common definition of Acute onset is - A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs 1) 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; 2) after the Effective Date; and 3) prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
In the event an insured person experiences a Stroke or Myocardial Infarction (Heart Attack) while the certificate is in force, and the condition is deemed to be pre-existing, the plan will cover those expenses associated with said condition up to a maximum of $5,000 for ages 0 - 69 and up to $2,500 for ages 70+.
Covers a sudden and unexpected recurrence of a Pre-existing Condition while outside the Insured Person's Home Country and does note include coverage for know, scheduled, required, or expected medical care, drug or treatment existent or necessary prior to the Effective date of coverage. Available upto $25,000 per policy period or $50,000 per policy period depending on the plan option you select.
VisitorSecure℠ has four plan options that are available: from $50,000, $75,000, $100,000 & $130,000 Schedule of Benefits and Limits. If you got involved in accident and if you are injured you can get medical care and VisitorSecure® Plan Insurance will take care of you. Coverage includes Inpatient care, Outpatient Care, Ambulance, surgical expenses, prescriptions drugs and doctor's visit. The also cover the Acute onset of pre-exiting condition (Under age 70) $50,000, $75,000,or $100,000 lifetime maximum for eligible expenses $100,000 lifetime maximum for eligible expenses- $25,000 lifetime maximum for emergency medical evacuation
Sudden Onset of a Pre-existing Condition -$50,000 Maximum Limit for Medical Benefits, subject to Schedule of benefits Up to Age 69 - ($25,000 Maximum Limit for Medical Evacuations) If you have a prior health condition which suddenly and unexpectedly asserts itself during your travel, the OverseasCare™ VisitorsInsurance™ Plan does provide a limited amount of coverage to help mitigate this unpleasant surprise. The OverseasCare™ VisitorsInsurance™ Plan offers coverage up to $50,000 (including emergency medical evacuation) for existing conditions which are not undergoing treatment, including medication or therapy of any kind. Enjoy peace of mind, even if your health history has a few blemishes with this powerful benefit.
Acute Onset of Pre-existing Condition(s) - (This benefit is not available if you are 70 or older) $50,000, $75,000, $100,000 & $130,000 per policy period for Medical Expense benefits (subject to the sub limits for Benefits shown above) & $25,000 per policy period for Emergency Medical Evacuation
Acute Onset of Pre-existing Condition(s) - (This benefit is not available if you are 70 or older) $25,000, $45,000, $65,000, $85,000, $120,000 per policy period for Medical Expense benefits (subject to the sub limits for Benefits shown above) & $25,000 per policy period for Emergency Medical Evacuation
Acute Onset of Pre-existing Condition prior to age 79 – Plan-A & B: Ages up to 69: Up to lesser of Medical Maximum or $100,000 or Ages 70-79: Up to lesser of Medical Maximum or $35,000 and Plan C: Ages up to 69: Up to the medical maximum.
Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 80). Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower. Under age 70: Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
Acute Onset of Pre-existing Condition prior to age 70 - Covers up to URC(Usual reasonable Customary) - A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs 1) 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; 2) after the Effective Date; and 3) prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset
Acute Onset of Pre-Existing Condition(s) per Policy Period Subject to the sub limits for each benefit listed : Sudden and Acute Onset of a Pre-Existing Condition – For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to cardiac disease or conditions, which will be limited to $25,000 up to and including age 69 and $15,000 for ages 70 and above. Upon attaining age 70 benefits will be reduced to a Medical Maximum of $25,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Provides coverage for an Acute Onset of a Pre-Existing Condition. Any repeat/reoccurrence within the same Policy Period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing Condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and Onset is no longer acute or you are discharged from a medical facility.
(Non U.S. citizens only) For those under age 65, the Plan will pay up to a $50,000 lifetime maximum for eligible medical expenses. For those ages 65 and older, the Plan will pay up to $2,500 lifetime maximum. In addition, up to $25,000 will be paid for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.
The Beacon Series offers coverage for a prior health condition, which suddenly and unexpectedly asserts itself during your travel, but has not received ongoing treatment, which would include medication or therapy of any kind for the past 730 days. Policies purchased with a Maximum Limits of $110,000, $550,000, or $1,100,000 offer coverage for Eligible Expenses up to $150,000. Policies purchased for all other Maximum Limits offer up to $50,000 and up to $25,000 when related to an Emergency Medical Evacuation. The Sudden Onset of Preexisting benefit is only available to Participating Members under the age of 70. With this powerful benefit, you will enjoy the peace of mind knowing you have coverage, even when your health history has a few blemishes.
ACUTE ONSET Non-U.S. Residents under age 70 traveling in the United States We pay up to $50,000 (ages 70+ limited to $10,000) for an acute onset of a pre-existing condition if it occurs during your coverage period while you are in the United States, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence.
Coverage is available for eligible medical expenses until the condition is no longer acute or you are discharged from the hospital. This benefit covers one acute episode per pre-existing condition. In addition, we provide up to $25,000 for emergency medical evacuation.
