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Rates: Worldwide Including US & Canada / Worldwide Excluding US & Canada
Rates: Worldwide Including US & Canada / Worldwide Excluding US & Canada
Missionary Medical Insurance > International Medical Group > Exclusions & Limitations
Global Missionary Basic Insurance
Pre-existing Conditions Definition
After coverage has been in effect for 24 continuous months, Global Missionary Basic Insurance (GMBI) - provides a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of US$5,000 per period of coverage. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period. This is important since few pre-existing conditions remain free from ongoing consultation or treatment, and often do not qualify for coverage in standard plans. Global Medical Insurance - Worldwide does not "rider" or charge additional premium for pre-existing conditions. If you properly disclose a pre-existing condition at the time of application, and are accepted into the plan, you will be covered for eligible medical expenses after 24 months of continuous coverage, subject to the foregoing limits and the other terms of the plan.*
The following illnesses which exist, manifest themselves or are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions under the plan, and are subject to the waiting period and other limitations of coverage described above: asthma, allergies, tonsillectomy, back conditions, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, and any condition of the prostate.
OTHER EXCLUSIONS & LIMITATIONS*
* See certificate wording for a definition of pre-existing conditions and a complete list
of exclusions and limitations, and for all other specific terms and conditions of the
plan. Certificate wording is available upon request.
Global Missionary Basic Insurance
Pre-existing conditions: Any illness, injury or Mental or Nervous disorder that existed on or at any time prior to the initial effective date of this insurance, whether or not previously manifested or symptomatic, diagnosed, treated or disclosed on the application or on any claim form or otherwise, including any chronic, subsequent or recurring complications or consequences associated therewith or arising or resulting therefrom.