Acute Onset of a Pre-Existing Condition - Covered up to the policy maximum for up to age 69, $35,000 for ages 70-79, and $20,000 for ages over 80
The Safe Travels USA Comprehensive plan includes coverage for acute onset of a pre-existing condition for insured persons. For anyone considering this plan, it's important to know what a pre-existing condition is to understand what sudden and acute onset of a pre-existing condition covers.
Pre-existing Condition
"Pre-Existing Condition" means any Injury, Illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
Acute Onset of a Pre-existing Condition
ACUTE ONSET OF PRE-EXISTING CONDITION Benefits are payable for an Acute Onset of a Pre-Existing Condition up to the maximum as stated in the Schedule of Benefits provided the condition or event: 1. 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 and immediate medical care; 2. occurs a minimum of 48 hours after the Effective Date of the Coverage; and 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Any repeat/reoccurrence within the same Period of Insurance will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Acute Onset episode of a Pre-Existing Condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and onset is no longer acute, or the Covered Person is discharged from a medical facility.
To be eligible for the foregoing limited coverage and benefits for an Acute Onset of a Pre-existing Condition, the Covered 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 Acute Onset of the Pre-existing Condition:
- Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or reoccurrence.
- the Covered 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.
- the Covered Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition.
- the Covered Person must not be traveling during a period of time when the Covered 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.
- the Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment.
- the Covered Person must be traveling outside their Habitual Country.