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Travel
Medical Insurance
Pre-Existing Condition Coverage
► TIC Travel Insurance
Coordinators
▶
TIC
Emergency
Hospital & Medical Insurance for Canadians
Benefits are not payable for costs incurred due to:
i. If you
are 59 years of age or under on the effective date:
Any
pre-existing medical condition if that condition was not
stable in the 90 days immediately before the effective
date, even if you previously disclosed that condition to
the company when applying for coverage under a different
or previous TIC policy.
ii. If you are 60 years of age and over on the effective
date:
Any
pre-existing medical condition if that condition was not
stable in the 180 days immediately before the effective
date, even if you previously disclosed that condition to
the company when applying for coverage under a different
or previous TIC policy
To obtain
coverage for a pre-existing medical condition that was
not stable in the applicable period immediately before
the effective date, a new Detailed Medical Questionnaire
must be completed and submitted to the company, be
approved in writing by TIC and you must pay the required
premium.
ii. If you have chosen not to have coverage for any and
all pre-existing medical conditions on your application
for insurance: Any pre-existing medical condition.
▶
TIC
Global Expatriate
Hospital
& Medical Insurance
Benefits
are not payable for costs incurred due to:
1.
Any sickness, injury or medical condition that exhibited
symptoms
for which a diagnosis need not have been made or
required any or all of: medical consultation,
prescription medication, medical treatment or
hospitalization prior to the effective date.
2 . Any sickness for which symptoms occurred within 48
hours of the effective date, except when the application
for this insurance is completed:
a) prior to the insured leaving the country of origin;
or
b) before the expiry date of an existing TIC Global
Expatriate Policy.
3. Any sickness, injury or medical condition for
which a diagnosis need not have been made or state of
health which, prior to the effective date was such as to
render expected medical treatment or hospitalization.
►
21st Century Travel Insurance (underwritten by Manulife
Financial)
The company
will not pay any expenses or benefits relating to:
1. A pre-existing condition. The
pre-existing condition exclusion that applies to you
depends on the Rate Category you qualified for when you
purchased this policy.
Rate Category A+ and A. The company will
not pay any expenses relating to:
• a pre-existing condition that is not stable
in the three (3) months before your effective date ;
and/or,
• your heart condition if, in the three (3) months
before your effective date, it has not been stable
or you have taken any form of nitroglycerine for the
relief of angina pain; and/or,
• your lung condition if, in the three (3) months before
your effective date, it has not been stable or
you required treatment with oxygen or Prednisone for
your lung condition.
Rate Category B. The company will not pay
any expenses relating to:
• a pre-existing condition that is not stable
in the six (6) months before your effective date ;
and/or,
• your heart condition if, in the six (6) months before
your effective date, it has not been stable or
you have taken any form of nitroglycerine for the relief
of angina pain; and/or,
• your lung condition if, in the six (6) months before
your effective date, it has not been stable or you
required treatment with oxygen or Prednisone for your
lung condition.
Rate Category C. The company will not pay
any expenses relating to:
• a pre-existing condition that is not stable
in the twelve (12) months before your effective date
; and/or,
• your heart condition if, in the twelve (12) months
before your effective date, it has not been stable
or you have taken any form of nitroglycerine for the
relief of angina pain; and/or,
• your lung condition if, in the twelve (12) months
before your effective date, it has not been stable
or you required treatment with oxygen or Prednisone for
your lung condition.
Fast-Trak
Rate Category. The company will not pay any expenses
relating to:
• a pre-existing condition for which you have taken,
received or been prescribed medication or treatment in
the 3 months before your effective date; and/or,
• your heart condition if, in the 3 months before your
effective date, you have taken, received or been
prescribed medication or treatment or you have used any
form of nitroglycerine for the relief of angina pain;
and/or,
• your lung condition if, in the 3 months before your
effective date you have taken, received or been
prescribed medication or treatment or you required
treatment with oxygen or Prednisone for your lung
condition.
Pre-existing
condition means a medical condition that existed before
your effective date.
Stable
means a medical condition for which:
• there have been no new symptoms, and existing symptoms
have not become more frequent or more severe or there
have been no test results showing deterioration; and/or
• a physician has not determined that the condition has
become worse; and/or
• a physician (or other medical professional) has not
prescribed or recommended a change in medication taken
or medical care received for that condition; and/or
• a physician (or other medical professional) has not
prescribed or recommended a change in treatment for that
condition; and/or
• there has been no admission to a hospital and/or you
are not awaiting results of further investigation for
that medical condition.
►
Manulife Financial
The company will not pay any expenses or benefits relating to:
1. A pre-existing condition. The pre-existing condition
exclusion that applies to you depends on the Rate
Category you qualified for when you purchased this
policy.
Rate Categories A+ and A. We will not pay any expenses
relating to:
• a pre-existing condition that is not stable in the
three (3) months before your effective date; and/or,
• your heart condition if, in the three (3) months
before your effective date, it has not been stable or
you have taken any form of nitroglycerine for the relief
of angina pain; and/or,
• your lung condition if, in the three (3) months before
your effective date, it has not been stable or you
required treatment with oxygen or Prednisone for your
lung condition.
Rate Category B. We will not pay any expenses relating
to:
• a pre-existing condition that is not stable in the six
(6) months before your effective date; and/or,
• your heart condition if, in the six (6) months before
your effective date, it has not been stable or you have
taken any form of nitroglycerine for the relief of
angina pain; and/or,
• your lung condition if, in the six (6) months before
your effective date, it has not been stable or you
required treatment with oxygen or Prednisone for your
lung condition.
Rate Category C. We will not pay any expenses relating
to:
• a pre-existing condition that is not stable in the
twelve (12) months before your effective date; and/or,
• your heart condition if, in the twelve (12) months
before your effective date, it has not been stable or
you have taken any form of nitroglycerine for the relief
of angina pain; and/or,
• your lung condition if, in the twelve (12) months
before your effective date, it has not been stable or
you required treatment with oxygen or Prednisone for
your lung condition.
Rate Category D. We will not pay any expenses relating
to:
• a pre-existing condition for which you have taken,
received or been prescribed medication or treatment in
the three (3) months before your effective date; and/or,
• your heart condition if, in the three (3) months
before your effective date, you have taken, received or
been prescribed medication or treatment or you have
taken any form of nitroglycerine for the relief of
angina pain; and/or,
• your lung condition if, in the three (3) months before
your effective date you have taken, received or been
prescribed medication or treatment or you required
treatment with oxygen or Prednisone for your lung
condition.
Pre-existing condition means a medical condition that
existed before your effective date.
Stable means a medical condition for which:
• there have been no new symptoms, and existing symptoms
have not become more frequent or more severe or there
have been no test results showing deterioration; and/or
• a physician has not determined that the condition has
become worse; and/or
• a physician (or other medical professional) has not
prescribed or recommended a change in medication taken
for that condition; and/or
• a physician (or other medical professional) has not
prescribed or recommended a change in treatment for that
condition; and/or
• there has been no admission to a hospital and/or you
are not awaiting results of further investigation for
that medical condition.
►
Group Medical Services
The following expenses are not covered by the policy and
no payment for these claims will be made:
1. Expenses
incurred where you act against medical advice or the
advice of GMS.
2. Expenses resulting from the regular care of a chronic
condition.
3. Expenses incurred as a result of non-compliance with
medical treatment prior to departure.
4. Your medical condition and/or related condition
and/or symptoms (whether or not the diagnosis has been
determined) if at any time in the one hundred eighty
(180) days preceding your purchase date for the Single
Trip Daily Plan or booking date for the Multi-Trip
Annual Plan, your medical conditions or related
conditions and/or symptoms have not been stable.
5. If at any time in the one hundred eighty (180) days
prior to your purchase date for the Single Trip Daily
plan or booking date for the Multi-Trip Annual Plan:
a) any heart condition, has not been stable;
b) any lung condition has not been stable.
Stable:
any medical condition or related medical condition
related directly to your
original condition for which:
a) there have been no new symptoms, more frequent or
more severe symptoms;
b) there has been no change in treatment or change in
medication (*);
c) a dosage adjustment of an anti-hypertensive or
cholesterol lowering medication done in the pre-existing
timeframe does not constitute a change;
d) there has been no deterioration of your medical
condition;
e) there has been no hospitalization or referrals to a
specialist including initial follow-up visits, tests or
investigations booked in conjunction with a medical
condition/symptom;
f) there is no further testing, treatment or
investigation advised and/or booked or results pending;
g) you have not experienced a symptom that remains
undiagnosed;
h) no further medical treatment after departure from
your province of residence would be anticipated.
(*)
Any newly prescribed medication, change in medication
type, increase/decrease in dosage or discontinuation of
a medication constitutes a change. It does not nclude a
change from a brand name medication to a generic brand
medication of the same dosage. If you are taking
Coumadin/Warfarin for anticoagulation therapy or are
insulin dependent or take oral medication for diabetes
and are required to have your blood levels tested on a
regular basis and your medical condition remains
unchanged, yet you are required to adjust the dosage of
your medication
►
Travel Underwriters
The company
will not be liable to provide coverage or services, or
to pay claims for expenses incurred directly or
indirectly as a result of:
1. Any pre-existing condition as defined, except as
follows:
●
Applicable to persons 59 years and under (on the
application date)
a) On trips 35 days or less, except for conditions
and/or symptoms which arose or worsened on the date of
departure, or at any time within the seven days prior to
the date of departure, other than a minor ailment.
b) On trips over 35 days, any condition which has
remained stable in the 90 days prior to the commencement
date of a covered trip.
●
Applicable
to persons 60 to 74 years (on the application date)
On all trip lengths, pre-existing conditions must be
stable in the 180 days prior to the commencement date of
a covered trip.
●
Applicable to persons 75 to 89 years (on the application
date)
On all trip lengths, pre-existing conditions must be
stable in the 365 days prior to the commencement date of
a covered trip.
Pre-existing conditions that do not meet the criteria
set out above are not covered.
Refer to the following definitions: accident and injury,
alteration, medical treatment, minor ailment,
pre-existing condition, sickness and stable in the
policy wording.
2. Any
medical treatment, recurrence or complications related
directly or indirectly to a sickness or injury which was
diagnosed or for which symptoms first occurred, or
medical treatment was received after the date of
departure but prior to the effective date of this
Insurance or the date coverage under this Policy
commenced, when this Policy is purchased to top-up any
other insurance plan, or as an extension.
Please refer to the Policy wording for exclusions,
conditions and limitations of the policies
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