Visitor Medical Insurance > MultiNational Underwriters > Plan Exclusions

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ImmigrantSecure Exclusions & Limitations

EXCLUSIONS

Pre-existing Conditions

This plan does not provide any coverage for Pre-existing Conditions. A Pre-existing Condition is a condition that meets any of these descriptions:

• that would have caused a person to seek medical advice, diagnosis, care or Treatment within the 6 months (or 12 months for persons age 70 and older) prior to your Effective Date
• for which medical advice, diagnosis, care or Treatment, including medication, was sought, recommended or received within the 6 months (or 12 months for persons age 70 and older) prior to your Effective Date
• the symptoms which occurred within the 6 months (or 12 months for persons age 70 and older) prior to your Effective Date would have allowed a person trained in medicine to make a diagnosis of the condition producing the symptoms
• which manifested within the 6 months (or 12 months for persons age 70 and older) prior to your Effective Date

Other exclusions include:

• Charges related to Pregnancy, childbirth, care of newborns, congenital conditions, birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof
• Charges that are not incurred during the Certificate Period or which exceed Usual, Reasonable and Customary
• Services that are not Medically Necessary, not administered or ordered by a Physician, or are provided at no cost to you or by your Relative or a person who resides with you
• Venereal disease, and treatment of individuals who are HIV+ or who have AIDS or ARC
• Services related to vision correction, hearing correction, or hair loss
• All cosmetic surgeries, unless reconstructive surgery is directly relating to a covered Illness or Injury
• Speech, acupuncture or sleep therapy and treatment by a chiropractor
• Self-inflicted Injury or Illness
• Dental Treatment, except for Emergency Treatment following a covered Accident
• Charges for travel or accommodations, except as specifically provided by the plan
• Organ and tissue transplants
• Treatment of the temporomandibular joint
• Charges resulting from or occurring during the commission of a violation of law by the Member
• Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs
• Home nursing care and charges Incurred while confined primarily to receive Custodial, Educational or Rehabilitative Care
• Surgeries, treatments, services or supplies which are Investigational, Experimental or for Research Purposes
• Immunizations and Routine Physical Exams
• Foot care, unless related to a covered accidental Injury
• Diseases of the skin
• Injury sustained while taking part in contact sports, non-recreational athletics, and thrill-seeking activities