Pre-existing Conditions

Pre-existing Condition(s) shall mean any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36* months prior to the effective date of coverage under this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically includes but is not limited to any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36* month period immediately preceding the effective date of coverage under this policy.

*For Insured Persons traveling outside the United States and Canada, the period is 12 months instead of 36 months.

Exclusions

For Medical benefits, this Insurance does not cover:

  1. Pre-existing Conditions.
    1. If you are a United States citizen, this exclusion is waived for the first $25,000 in eligible medical expenses incurred outside the United States and Canada (persons age 70 and over, the amount is $5,000).
    2. If You are a non-U.S. citizen, under age 70, this exclusion is waived for eligible medical expenses up to $25,000 toward an Acute Onset of a Pre-existing Condition(s) as defined on page 8. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this program (This benefit is not available for insureds over age 70).
      Any exclusion specifically listed in exclusions, 2 through 23, will not receive benefits from these waivers.
  2. Charges for treatment which exceed reasonable & customary charges; surgeries or treatments which are investigational, experimental, or for research purposes; expenses which are non-medical in nature;
  3. Claims not received within 90 days of the date of service;
  4. Expenses for vocational, occupational, sleep, speech, recreational or music therapy;
  5. Durable medical equipment;
  6. Expenses which were not recommended, approved & certified as medically necessary & reasonable by a physician;
  7. Suicide or any attempt thereof, or self destruction or any attempt thereof, intentionally self-inflicted Injury or Illness;
  8. Expenses as a result of, or in connection with, the commission of a felony offense or any other criminal or illegal activity as defined by the local governing body;
  9. Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war; nuclear, chemical, biological; (details in program summary);
  10. Terrorist Activity in excess of $50,000;
  11. Injury sustained while participating in professional athletics, including but not limited to the event, games, practice, conditioning and any other activity related to professional athletics.
  12. Injury sustained while participating in amateur or interscholastic athletics, including but not limited to the event, games, practice, conditioning and any other activity related to amateur or interscholastic athletics; this exclusion does not apply to non-competitive, recreational or intramural activities. Note: A sponsored and/or organized Amateur or Interscholastic Athletic event includes training camps, team sports, or any formal grouping of people participating in one or multiple events that may/may not require a fee for participation.
  13. Routine physicals, inoculations, or other examinations including but not limited to laboratory, diagnostic, or x-ray examinations where there are no objective indications or impairment in normal health;
  14. Occupational Diseases, including but not limited to Disease(s) related to asbestos exposure, and the complications thereof, including asbestosis and mesothelioma related to asbestos exposure;
  15. Diagnosis or treatment of the temporomandibular joint;
  16. Chiropractic care or acupuncture;
  17. Any services, supplies, or treatment prescribed, performed or provided by a relative or family member of yours or any person who ordinarily resides with you. This includes but is not limited to prescription medication & any diagnostic testing;
  18. False teeth, dentures or dental appliances, normal ear tests & hearing aids, hearing implants, cosmetic or plastic surgery (including deviated nasal septum), routine dental expenses, dental expenses except as specifically provided in the Dental Emergency Treatment benefit, eye refractions or eye examinations for the purpose of prescribing corrective lenses for eye-glasses or for the fitting thereof, unless caused by accidental bodily injury incurred while insured hereunder; eyeglasses, contact lenses; eye surgery when the primary purpose is to correct nearsightedness, farsightedness or astigmatism;
  19. Treatment in connection with alcohol, drug or chemical abuse, misuse, illegal use, overuse or dependency or use of any drug or narcotic agent; injury occurring while under the influence of or disablement due wholly or partly to liquor, chemicals, or drugs or narcotic agent, unless administered under the advice of a physician & said narcotic agent was taken in accordance with proper dosing as directed by the physician;
  20. Mental & nervous disorder or rest cures;
  21. Learning disabilities, attitudinal disorders, or disciplinary problems;
  22. Congenital abnormalities & conditions arising out of or resulting therefrom;
  23. Expenses for a hospital emergency room visit which is not of an emergency nature;
  24. Injury sustained while taking part in mountaineering, hang gliding, parachuting, bungee jumping, racing by horse or motor vehicle or motorcycle, motorcycle/ motor scooter riding (whether as a passenger or driver), scuba diving involving underwater breathing apparatus (unless PADI or NAUI certified), water skiing, wakeboard riding, jet skiing, windsurfing, snowmobiling, snow skiing and snow boarding, & any other sport, recreational, athletic, or adventure activity which is undertaken for thrill seeking and exposes the insured to abnormal or extreme risk of injury &/or is in violation of applicable laws, rules, or regulations; (See Optional Hazardous Sports Coverage to include some of these sports.)
  25. Treatment paid for or furnished under any other individual, government, or group policy; charges provided at no cost to you;
  26. Diagnosis & treatment of venereal or sexually transmitted disease;
  27. Pregnancy expenses or Illness resulting from pregnancy, childbirth, miscarriage; miscarriage due to an accident or complications of pregnancy; or postnatal care;
  28. Drug, treatment or procedure that promotes or prevents conception or prevents childbirth, including but not limited to: artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof;
  29. Expenses incurred while you are in your Home Country (except after approved Emergency Medical Evacuation/Repatriation or if covered under the Home Country Coverage benefit);
  30. Expenses incurred when travel was undertaken to seek medical treatment for a condition or after your physician has limited or restricted travel;
  31. Charges incurred while confined primarily to receive custodial care, educational or rehabilitative care, or any medical treatment in any establishment for the care of the aged;
  32. Treatment for human organ tissue transplants & related treatment;
  33. Weight reduction programs or the surgical treatment of obesity, including but not limited to wiring of the teeth & any intestinal bypass surgery;
  34. Modifications of the physical body intended to improve your psychological, mental or emotional well-being, including but not limited to sex-change surgery; any drug, treatment, or procedure that promotes, enhances or corrects impotency or sexual dysfunction;
  35. Expenses resulting from Acquired Immune Deficiency Syndrome (AIDS), AIDSRelated Complex (ARC) or the Human Immunodeficiency Virus (HIV);
  36. Exercise programs;
  37. Treatment required as a result of complications or consequences of a treatment or condition not covered on this plan;
  38. Travel accommodations, except as provided for in the Local Ambulance, Emergency Medical or Political Evacuation, Return of Mortal Remains, Return of Minor Children, Emergency Reunion, Natural Disaster, and Interruption of Trip sections of this insurance;
  39. Diagnosis or treatment incurred as a result of exposure to non-medical nuclear radiation &/or radioactive materials;
  40. Diagnosis or treatment for acne, moles, skin tags, disease of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of the sebaceous glands, hypertrophic & atrophic conditions of skin, nevus;
  41. Treatment, services or supplies that are not administered by or under the supervision of a Physician & products that can be purchased without a doctor’s prescription;
  42. Sleep apnea or other sleep disorders.

Liaison® Continent is underwritten by Certain Underwriters at Lloyd's of London and is rated A "Excellent" by A.M. Best. In addition to being one of the largest insurance entities in the world, Lloyd's has over 300 years of experience in the international insurance business.

In California, operating under Seven Corners Insurance Services.

Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.