Liaison International provides coverage for an acute onset of pre-existing conditions as specified in the details below. Understanding what a pre-existing condition is can help you better understand what an acute onset of pre-existing conditions is.
Pre-Existing Condition means 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 any time during the thirty-six (36) months prior to the effective date of coverage under this policy, 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 thirty-six (36) month period immediately preceding the effective date of coverage under this policy.
*For U.S. and Canadian residents traveling outside the United States and Canada, the Pre-existing Condition period is twelve (12) months instead of thirty-six (36) months.
Non US residents traveling inside the United States aged 69 and younger are covered up to $15,000 for an acute onset of a pre-existing condition and up to $25,000 for Emergency Medical Evacuation/Repatriation. The expenses must be incurred in the United States and must be a result of an Acute Onset which occurs in the United States. This benefit covers one (1) acute episode per pre-existing condition.
Acute Onset of a Pre-Existing Conditions
Acute Onset of a Pre-Existing Condition(s) shall mean 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, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) 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 congenital condition or that gradually becomes worse over time will not be considered Acute Onset. A Pre-existing Condition will not be considered an Acute Onset if during the 30 days prior to the acute event You had a change in prescription or treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatments existent or necessary prior to arrival in the United States and prior to the Effective Date of coverage.
Coverage is provided until the earliest of:
- The condition is no longer acute; or,
- You are discharged from the hospital.