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Acute Onset of Pre-Existing Conditions - Covered up to $45,000 for age below 65 years, $2,000 for age 65-69

Acute Onset of a Pre-Existing Condition

If you are a non-U.S. resident under age 65, you are covered for an Acute Onset of a Pre-existing Condition for $45,000 ($2,000 for age 65-69). Lifetime Maximum for Eligible Medical Expenses and up to $25,000 Lifetime Maximum for Emergency Medical Evacuation.



An "Acute Onset of a Pre-existing Condition" is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which 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 care. The Acute Onset of a Pre-existing Condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to the Effective Date of coverage.


Limitations:

  • To be considered a Covered Expense under this benefit, the expenses for an Acute Onset must be incurred in the United States and must be a result of an Acute Onset which occurs in the United States.
  • Acute Onset coverage ends when the member is no longer acute or discharged from the hospital, whichever occurs first.
  • The benefit covers one acute episode per pre-existing condition.
  • A condition is not considered an acute onset if there was a prescription/treatment change (30 days prior to the acute event) for a diagnosis related to the acute event.


FAQ


10/15/2015