Stable
as indicated on your medical statement summary (if applicable), means that during the specified period:
a. there has been no new treatment; and
b. there has been no change in treatment or change in treatment frequency or type; and
c. there have been no signs or symptoms or new diagnosis; and
d. there have been no test results showing deterioration; and
e. there has been no hospitalization; and
f. there has been no referral to a specialist (made or recommended) and you are not awaiting the results of further investigations performed by any medical professional.
Exceptions:
i. the routine adjustment of Coumadin, warfarin, or insulin (as long as the medication is not first prescribed or stopped during the 90 days prior to the effective date);
ii. change from a brand name medication to a generic medication provided the medication was not first prescribed during 90 days prior to the effective date and there is no increase or decrease in dosage;
iii. a minor ailment.
Other conditions includes Parkinson's disease, epilepsy, cerebral palsy, multiple sclerosis, brain injury or brain tumor, seizure disorder, Lou Gehrig's disease (ALS), Creutzfeldt-Jakob disease, Cushing's syndrome, Guillain-Barré syndrome (GBS), trigeminal neuralgia (TN or TGN).
Stomach, bowel, digestive, gastrointestinal disorder
includes any condition along the gastrointestinal tract (from the mouth to the anus) and can include (among others) esophagus disorder, stomach disorder, ulcer, hernia, irritable bowel syndrome (IBS), inflammatory bowel disease, gastrointestinal bleeds, gastritis, Chrohn's disease, Celiac disease, diverticulitis, ulcerative colitis, colitis, bowel obstruction, bowel resection or ostomy.
Exceptions:
The following conditions are not subject to any surcharge but must be noted in the note section of the medical questionnaire:
i. Gastroesophageal reflux disease (GERD); or
ii. removal of polyps during a routine colonoscopy where no signs or symptoms were present; or
iii. diverticulosis.
Pre-existing Medical Conditions
A Pre-existing medical condition(s) means a medical or physical condition, symptom, illness or disease, whether diagnosed or not, for which Treatment has been received or taken, or which exhibited signs or symptoms, at any time preceding Your Effective Date and includes a medically recognized complication or Recurrence of a medical condition.