Insubuy Insurance

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Subject to the Terms of this insurance, including without limitation the Exclusions section, the Conditions and Restrictions set forth below and the applicable Deductible and Coinsurance and other limits and sub-limits as specified in the Schedule of Benefits/Limits, in the event the Insured Person suffers or experiences an Unexpected recurrence of a Pre-existing Condition during the Period of Coverage for which immediate Treatment is essential and necessary to stabilize the Pre-existing Condition, the Insured Person will be reimbursed as follows:

  • For Insured Persons up to age 65: Up to $50,000 Lifetime Maximum
  • For Insured Persons age 65 and older: Up to $2,500 Lifetime Maximum


In addition, up to $25,000 will be paid to U.S. and non-U.S. citizens for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.


Conditions and Restrictions - To be eligible for the foregoing limited coverage and benefits for an Unexpected recurrence of a Preexisting Condition, the Insured Person must be in compliance with all Terms of this insurance. The Company will provide such coverage and benefits only when all of the following conditions and restrictions have been met. At the time of the Unexpected recurrence of the Pre-existing Condition:

  1. The Insured Person 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
  2. The Insured Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition; and
  3. The Insured Person must not be traveling during a period of time when the Insured Person is preparing or waiting for, involved in, or undertaking a new, changed or modified Treatment program with respect to the Pre-existing Condition, and is not traveling subsequent to any such new, changed or modified Treatment program having been advised or recommended; and
  4. The Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment; and
  5. A Pre-existing Condition that is a Chronic or Congenital Condition, or that gradually becomes worse over time will not be considered a Sudden Recurrence.


Exclusion:

Any infection of the urinary tract (or illness arising therefrom), that occurs within ninety (90) days of the Effective Date of coverage and that requires Treatment of the Insured Person in a Hospital; provided that any such illness will be deemed by the Company to be a Pre-existing Condition.


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