*A pre-existing condition is 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 12 months prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
**An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time, is not acute onset of a pre-existing condition.
The Acute Onset of Pre-existing Condition benefit will apply only if, at the time of the acute onset of a pre-existing condition, all of the following conditions are met:
a) The acute onset of a pre-existing condition does not directly or indirectly relate to a chronic condition or congenital condition; and
b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence; and
c) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider; and
d) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition; and
e) You must be traveling outside your home country
