Pre-existing medical condition means sickness, illness, disease, symptom, or injury that existed or for which medication has been taken, received, or prescribed (including prescribed as needed), or for which treatment has been prescribed or received in the 180 days before your effective date of insurance as stated on your policy confirmation.
Stable Chronic Condition means a pre-existing medical condition for which, in the 180 days prior to your effective date of insurance:
We will not cover any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain.
We will not cover any lung condition if, in the 180 days before the effective date, you required treatment with prednisone for a lung condition.
YOU ARE NOT ELIGIBLE FOR COVERAGE UNDER THIS POLICY IF:
We reserve the right to decline any application.
One or more persons may be insured under one policy. However, the effective date and expiry date must be identical for all applicants. Each applicant must pay their appropriate individual premium unless family rates apply. Be sure to review the waiting period definition to determine if there is any time that you will not be reimbursed for expenses related to any sickness manifesting during that time.
Waiting Period means a period, starting from the effective date of this policy, during which premiums are payable but claims resulting from any sickness will be not eligible for reimbursement. Any sickness that manifests itself during the waiting period is not covered even if related expenses are incurred after the waiting period.
A waiting period will apply if you:
The following waiting periods apply in the above circumstances:
The waiting period will be waived if this policy:
If you have coverage with another insurer during the first part of your trip, and you are purchasing or activating this insurance after your arrival date and there will be no gap in your coverage, you may submit a Special Consideration Form and request to have the waiting period waived. You must be in good health and provide proof satisfactory to us that you have other coverage in force prior to purchasing this policy and receive written approval from us.