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Travel
Medical Insurance
Pre-Existing Condition Coverage
► TIC Travel Insurance
Coordinators
▶
TIC
Emergency
Hospital & Medical For Canadians
USA and Non-USA Plans
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, within the 180 days immediately prior
to the effective date.
If the insured is age 70 and under on the
effective date:
a) When coverage is purchased prior to departure:
This exclusion applies to each trip of 36 days or longer
including Top-Ups starting from the day the insured
leaves the province/territory of residence, unless the
insured has completed a medical questionnaire, has been
approved in writing by TIC and has paid any required
premium.
b) When coverage is purchased after departure:
This exclusion applies starting from the 36th day of
each trip including Extensions unless the insured has
completed a medical questionnaire, has been approved in
writing by TIC and has paid any required premium.
If the insured is age 71 and over on the
effective date:
This exclusion applies to each trip including Top-Ups
and Extensions of any duration unless the insured has
completed a medical questionnaire, has been approved in
writing by TIC and has paid any required premium.
2. 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 of coverage,
was such as to render expected medical treatment or
hospitalization.
▶
TIC
Global Expatriate
Hospital
& Medical Insurance
Basic and
Select Plans
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.
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-adherence
with medical
treatment
prior to departure.
4. Coverage for medical conditions that existed prior to
your departure
date
or prior to
your effective date,
if used as a top-up, is subject to the
following:
This policy does not provide coverage for any expenses
related directly or indirectly as a result of:
a)
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 departure date your
medical conditions or related conditions and/or symptoms
have not been
stable;
b) if at any time in the one hundred eighty (180) days
prior to
your departure date:
i) any heart condition, has not been
stable;
ii) any lung condition has not been
stable.
Stable:
Any medical condition or related medical 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 booked or results pending;
g)
you
have not experienced a symptom that remains undiagnosed;
h) no further medical treatment after departure 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 include 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
only to ensure correct blood levels are maintained, this
is not considered a change in medication, except for an
adjustment (stop and start) in an anticoagulation
medication dosage due to surgery within ten(10) days
prior to your
departure date
or, if used as a top-up, on the effective date,
constitute a change.
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