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Acute Onset of Pre-Existing Conditions Coverage in Inbound Plans

In Inbound Choice, Inbound Guest, Inbound Immigrant and Inbound USA, all insureds under age 70 have coverage for an acute onset of a pre-existing condition at no additional charge!

Pre-Existing Condition

"Pre-Existing Condition" shall mean any medical condition, Sickness, Injury, Illness, Disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or within the one hundred and eighty (180) days (three hundred and sixty five (365) days for Insured Persons 70 and older) immediately prior to the Insured Person's Effective Date under the Certificate, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically includes but is not limited to any medical condition, Sickness, Injury, Illness, Disease, Mental Illness or Mental Nervous Disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the one hundred and eighty (180) days (three hundred and sixty five (365) days for Insured Persons 70 and older) immediately preceding the effective date of coverage under this Certificate.

The Inbound programs have a per injury/per sickness benefit schedule. The acute onset benefit will be the same amount as your client's chosen policy maximum; however, unlike the policy maximum, the acute onset is paid on a per policy period basis. This means if multiple acute onsets of a pre-existing condition occur, regardless of whether or not they are a different condition, we will only pay to the cumulative per policy period maximum.

Acute Onset of a Pre-Existing Condition

Acute onset of pre-existing condition must occur within the U.S., treatment must be received in the U.S. and within 24 hours of the initial symptoms.

Examples are as follows:

  • Flu - $50,000 per illness, payable to the scheduled amounts.
  • Rash - $50,000 per illness, payable to the scheduled amounts.
  • Heart attack - (determined to be an acute onset of a pre-existing condition) $50,000 per policy period, payable to the scheduled amounts.

Complete information about all Inbound Plans

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