Heart Care Plus Rider - Limited Coverage for Heart Attack or Stroke
Visitors Care offers optional limited coverage in the event that an insured person experiences a Myocardial Infraction* or a Cerebrovascular Accident† (relating to a pre-existing condition). Knowing what a pre-existing condition is will help you understand how it relates to a myocardial Infraction and a cerebrovascular accident.
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.
Heart Care Plus Rider – Must be purchased in addition to the base plan.
In the event an insured person experiences a Stroke or Myocardial Infarction (Heart Attack) while the certificate is in force, and the condition is deemed to be pre-existing, the plan will cover those expenses associated with said condition up to a maximum of $5,000 for ages 0 - 69 and up to $2,500 for ages 70+.
| Age 14 days to 69 years | Age 70 years and over | |
|---|---|---|
| Overall maximum for pre-existing conditions | $5,000 | $2,500 |
Above benefits are still subject to the schedule of benefits.
- Cerebrovascular Accident (Stroke, CVA, Transient Ischemic Attack, TIA): A disruption of blood flow to the brain resulting in neurologic changes, either permanent (CVA) or temporary (TIA). This can include an ischemic stroke, hemorrhagic stroke or bleeding due to an aneurysm.
- Myocardial Infarction (MI, Acute Myocardial Infarction, AMI, Non-ST Segment Elevation Myocardial Infarction, STEMI, Heart Attack): An acute interruption of vascular perfusion of any portion of the myocardium (muscles of the heart) due to either an occlusion of a coronary artery or to vascular spasm causing damage to the myocardium.