Pre-existing conditions – Covered up to a maximum of $25,000 for up to age 69 and up to $20,000 for ages 70 and older.
The deductible for the pre-existing conditions benefit is $1,500 per Injury or Illness (no coinsurance applies).
An Illness, disease, or other condition of the Insured Person that in the twelve (12) month period before the Insured Person’s coverage became effective under this insurance:
- first manifested itself, worsened, became acute, or exhibited symptoms that would have caused a person to seek diagnosis, care, or Treatment; or
- required taking prescribed drugs or medicines, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or
- was Treated by a Physician or Treatment had been recommended by a Physician.
Any infection of the urinary tract (including, without limitation, infection of the kidney, ureter, bladder, prostate or urethra) and any complication, medical condition or other Illness directly or indirectly arising therefrom, that occurs within ninety (90) days of the Effective Date of this Insurance and that requires Treatment of the Insured Person in a Hospital as an Inpatient.