Acute Onset of Pre-Existing Conditions – for Ages Below 70 Years

Visitors Care provides limited coverage for an acute onset of pre-existing conditions for visitors to the USA. It is important to know that this plan pays according to the schedule of benefits and what an acute onset of pre-existing conditions is to understand what a pre-existing condition is first.

Pre-Existing Condition

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 Pre-Existing Condition

A sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs or Treatment.

The coverage for the acute onset of a pre-existing condition is available for people younger than 70 years and the amount depends on the overall policy maximum selected.

Coverage for Emergency Medical Evacuation related to a covered acute onset of a pre-existing condition is limited to $25,000.

Conditions and Restrictions

To be eligible for the foregoing limited coverage and benefits for an Acute Onset of a Pre-existing 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 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 Insured Person must be under seventy (70) years of age
• 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
• the Insured Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition
• 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
• the Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment
• the Insured Person must be traveling outside their Country of Residence