If you are a non-United States citizen visiting the United States and suffer a Myocardial Infarction (heart attack in layman's terms) or Stroke and are admitted to a Hospital, this exclusion is waived in order to pay according to the schedule of benefits above.
The term "Myocardial Infarction" shall mean an acute and emergent onset of any of the conditions and/or diseases described and coded in the International Coding of Diseases version 9 (ICD9), code sequences 410.0 – 410.9 and 414.1 – 419.9.
The term "Stroke" shall mean an acute and emergent onset of any of the conditions and/or diseases described and coded in the International Coding of Diseases version 9 (ICD9), code sequence 430-438.9.

The benefit listed above are flat benefits and there are no network negotiated fees for the rest of expenses.

e.g., Let's assume that you are admitted into the hospital for 10 days because of a heart attack and the medical expense is $25,000/night for a total of $250,000 in medical expenses. And that you are 67 years of age and you have purchased $50,000 policy maximum. If it were a covered medical expense (not due to pre-existing conditions), insurance company would pay a total of $14,000 at $1,400/day (for 70 years and above, $10,500 at $1,050/day). However, if it is determined that the heart attack was due to pre-existing conditions, insurance company would pay a total of $5,000 at $1,400/day (for 70 years and above, total of $3,000 at $1,050/day) and you would have to pay the rest of the bill yourself.

Please note that this per night benefit is only for the admission into the hospital due to attack or stroke that may be due to pre-existing conditions. This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program. In other words, it does not provide any coverage for heart surgery, heart medicines, blood pressure medicines or complications, routine expenses, emergency room visits due to chest pain etc.