d) a pre-existing condition for which you were hospitalized either more than once, or for at least 2 consecutive days, in the 12-month period before your effective date of insurance.
 

Pre-existing condition means a medical condition that existed before your effective date.

STABLE medical condition means that all of the following apply:

you have not had any new symptom(s); and

existing symptom(s) have not become more frequent or severe; and

a physician has not determined that the medical condition has become worse; and

no test findings have shown that the medical condition may be getting worse; and

a physician has not provided, prescribed, or recommended any new medication, any change in medication; and

a physician has not provided, prescribed or recommended any new treatment or any change in treatment; and

there has been no admission to a hospital or referral to a specialty clinic or specialist; and

a physician has not advised referral to a specialist or further testing, and there has been no testing for which the results have not yet been received.

Change in medication means the medication dosage or frequency has been reduced, increased, or stopped, and/or new medication/s has/have been prescribed.

The following is not considered a change in medication:

a) the routine adjustment of Coumadin, warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition;

b) a change from a brand-name drug to an equivalent generic drug of the same dosage

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►  Manulife Financial  - Student Travel Plan

Pre-existing condition exclusions
This policy will not pay any expenses or benefits relating to:

1. A pre-existing condition which has not remained Stable in the three (3) months before the effective date.

2.  Any pre-existing condition of a covered dependant and/or spouse that was not Stable in the three (3) months before the date the dependant/spouse became covered under this policy.

3. For covered dependants under two (2) years of age, any medical condition related to a birth defect whether genetic, acquired, or congenital.

Pre-Existing Condition means an injury, illness or symptom that exists before the effective date of insurance.

Stable means a medical condition for which:

 • you have not had any new symptom(s); and

• existing symptom(s) have not become more frequent or severe; and

• your physician has not determined that your medical condition has become worse; and

• no test findings have shown that your medical condition may be getting worse; and

• you have not received, been prescribed, taken or had a physician recommend any new medication, any change in medication.

Exceptions: the routine adjustment of Coumadin, warfarin, insulin to control diabetes (as long as the medication is not newly prescribed or stopped) and a change from a brand name medication to a generic brand medication (provided that the dosage is not modified); and

• you have not received, been prescribed or had a physician recommend any new treatment or any change in treatment; and

• you have not been hospitalized or referred to a specialty clinic or specialist; and

• your physician has not advised you to see a specialist or to have further tests, and you have not undergone testing for which you have not yet received the results.

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►  Group Medical Services (GMS)

A  Pre-Existing Medical Condition exclusion:

GMS does not cover any expenses resulting from medical condition(s) which have not been STABLE for 180 days immediately prior to your effective date, including:

a. medical condition(s)  for which you received medical treatment or medical consultation; and/or

b. undiagnosed medical conditions(s) related to symptoms for which you received medical treatment or medical consultation.

You must be STABLE based on the definition of STABLE in this policy, regardless of the opinion of your physician or any other person who may provide an opinion on your medical condition(s).

STABLE: a medical condition is stable if,

a.  you have no reason to expect medical treatment after your effective date for the medical condition or any symptoms ;

b.  in the 180 days before your effective date, you have not received new or different medical treatment for the medical condition;

c.  in the 180 days before your effective date, you have not had an alteration to an existing prescription drug or were prescribed a new drug for the medical condition;

d.  in the 180 days before your effective date, your medical condition has not become worse;

e.  in the 180 days before your effective date, you have not experienced new, more frequent or more severe symptoms;

f.  in the 180 days before your effective date, you have not had or needed medical consultation for undiagnosed symptoms;

g.  in the 180 days before your effective date, you have not needed in-hospital care; a referral to a specialist, or al follow-up visit; and

h.  in the 180 days before your effective date, you have not had tests or an investigation whether you know the results or not, related to the medical condition.

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►  TuGo Visitors to Canada insurance

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)     a) For insureds who are 59 years and under on the application date

Pre-existing conditions that are not stable in the 90 days before the policy effective date,

b) For insureds who are 60 to 69 years on the application date .

Pre-existing conditions that are not stable in the 120 days before the policy effective date,

c) For insureds who are 70 - 85 years on the application date.

Pre-existing conditions that are not stable in the 180 days before the policy effective date,

d) For insureds who are 86 years and over on the application date.

Pre-existing conditions that are not stable in the 365 days before the policy effective date.

2) Conditions or any related conditions for which, prior to departure, testing or investigative consultation took place, was scheduled to take place or was recommended (not including routine check-up or routine monitoring for a medical condition), and for which results had not yet been received at the time of departure. This includes tests that were recommended or scheduled prior to departure, but had not yet taken place at the time of departure.

Pre-existing Condition means:

a) A dental or medical condition, illness or injury that has been diagnosed, and for which you have consulted, or received dental or medical treatment before the date you leave for your trip; or,

b) A dental or medical condition, illness or injury that has not yet been diagnosed, and for which you were experiencing symptoms before the date you leave for your trip; or,

c) A medically recognized complication or recurrence of a medical or dental condition, illness or injury, whether or not the condition was diagnosed before the date you leave for  your trip.

Stable means that within the period specified in this Policy:

a) There has been no deterioration of your condition as determined by your physician, and

b) There have been no new symptoms or findings or more frequent or severe symptoms or findings, and

c) There have been no symptoms experienced by you related to the condition that remains undiagnosed, and

d) There has been no change in medical treatment, and,

e) There has been no alteration in any medication for the condition, and

f) There has been no new medical treatment prescribed or recommended by a physician or received.

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►  Travelance (Premier Plan)

There is no coverage and no benefits will be payable for claims presented under this section resulting from:

1. Pre-Existing Conditions or related Medical Conditions as follows:

a) For ages 69 and under on the Start Date, any Pre-Existing Condition or Medical Condition that was not Stable and Controlled during the 180 day period immediately prior to Your Start Date.

b) For ages 70 to 79 on the Start Date:

-  any Pre-Existing Condition or Medical Condition that was not Stable and Controlled during the 180 day period immediately prior to Your Start Date; and, 

-  any of the following Pre-existing Conditions that were present on Your Start Date:

▪ Any heart condition including but not limited to heart attack, angina, arrhythmia or cardiac surgery;

▪  Any brain condition including but not limited to stroke, transient ischemic attack (TIA), mini-stroke, aneurysm or seizure;

▪  Any lung condition including but not limited to chronic obstructive pulmonary disease (COPD), asthma, chronic bronchitis or emphysema.

c) For ages 80 and over on the Start Date, any Pre-Existing Condition or Medical Condition that was present on Your Start Date.

Stable and Controlled means:

 - there has not been any new Treatment prescribed or recommended, or change(s) to existing Treatment (including a stoppage in Treatment); and

- there has not been any change to any existing prescribed drug including an increase, decrease, or stoppage to prescribed dosage), or any recommendation or starting of a new prescription drug.

(If You require a routine adjustment to the dosage of Your prescription for Coumadin, Warfarin or Insulin (unless it is newly prescribed or stopped) to ensure correct blood levels are maintained, such a change is not considered an alteration in medication provided the condition remains unchanged); and

- the Medical Condition has not become worse; and

- there has not been any new, more frequent or more severe symptoms; and

- there has been no hospitalization or referral to a specialist; and

- there have not been any tests, investigation or Treatment recommended, but not yet complete, nor any outstanding test results; and

- there is no planned or pending Treatment

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►  Destination Visitors to Canada  

This policy will not provide coverage, provide services, or pay claims for expenses incurred directly or indirectly as a result of:

a) If you are 79 years of age or under on the application date and selected Option 1 at the time of application: Any pre-existing medical condition unless it was stable in the 120 days immediately before the effective date.

b) If you are 79 years of age or under on the application date and selected Option 2 at the time of application: Any pre-existing medical condition.

c) If you are 80 years of age on the application date : Any pre-existing medical condition.

Stable means a pre-existing medical condition that:

 -  did not require, or was not referred for any medical consultation;

 -  did not require a change in type or dosage of medication;

 -  did not exhibit any signs or symptoms

Medical consultation means any medical services obtained from a physician for a sickness, injury or medical condition, including but not limited to any or all of: history taking, medical examination, investigative testing, advice or treatment, and during which a diagnosis of the medical condition need not have been definitively made. This does not include routine annual medical check-ups where no medical signs or symptoms existed or were found during the check-up.

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NOTE: The product-related information is for illustration only. Please refer to the policy wording for the complete terms, benefits, conditions & exclusions.