Insubuy Insurance

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Visitor Secure® provides the following coverage in acute onset of pre-existing conditions for persons below the age of 70 years. The coverage amount depends upon the overall policy maximum chosen.


Overall Policy Maximum Acute Onset of Pre-existing Condition (only available to Members under age 70) for Eligible Medical Expenses
$50,000 $50,000 Lifetime
$75,000 $75,000 Lifetime
$100,000 $100,000 Lifetime
$130,000 $100,000 Lifetime

Additionally, $25,000 Lifetime Maximum for Emergency Medical Evacuation.


Acute Onset of Pre-existing Condition:
The term "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, is of short duration, is rapidly progressive, 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 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.


09/01/2013