Pre-existing Medical Condition Exclusions (2024)

	If you are covered under: The following Pre-Existing Medical Condition Exclusion applies to your coverage. Category A* No Pre-Existing Medical Condition Exclusion applies Category B* Exclusion 1 Category C* Exclusion 2 Category D* Exclusion 2 Category E* Exclusion 3

* Your coverage Category is determined by your correctly completed medical questionnaire, where applicable.

EXCLUSION 1

This insurance does not pay for any expenses incurred directly or indirectly as a result of:

1. Your medical condition or related condition (whether or not the diagnosis has been determined), if at any time in the 90 days before you depart on your trip, your medical condition or related condition has not been stable.
2. Your heart condition (whether or not the diagnosis has been determined), if at any time in the 90 days before you depart on your trip:
   1. any heart condition has not been stable; or
   2. you have taken nitroglycerin more than once per week specifically for the relief of angina pain.
3. Your lung condition (whether or not the diagnosis has been determined), if at any time in the 90 days before you depart on your trip:
   1. any lung condition has not been stable; or
   2. you have been treated with or prescribed home oxygen(on a regular basis or on an as needed basis) or treated with or prescribed oral steroids (prednisone or prednisolone) for any lung condition.

EXCLUSION 2

This insurance does not pay for any expenses incurred directly or indirectly as a result of:

1. Your medical condition or related condition (whether or not the diagnosis has been determined), if at any time in the 180 days before you depart on your trip, your medical condition or related condition has not been stable.
2. Your heart condition (whether or not the diagnosis has been determined), if at any time in the 180 days before you depart on your trip:
   1. any heart condition has not been stable; or
   2. you have taken nitroglycerin more than once per week specifically for the relief of angina pain.
3. Your lung condition (whether or not the diagnosis has been determined), if at any time in the 180 days before you depart on your trip:
   1. any lung condition has not been stable; or
   2. you have been treated with or prescribed home oxygen (on a regular basis or on an as needed basis) or treated with or prescribed oral steroids (prednisone or prednisolone) for any lung condition.

EXCLUSION 3

Regardless whether a medical condition has been stable or has not been stable, this insurance does not pay for any expenses incurred directly or indirectly as a result of:

1. Your medical condition or related condition (whether or not the diagnosis has been determined), if at any time in the 180 days before you depart on your trip:
   1. you have taken medication, been prescribed medication, or received treatment for that medical condition or related condition; or
   2. you have experienced a deterioration of, or sought treatment for, that medical condition or related condition.
2. Your heart condition (whether or not the diagnosis has been determined), if at any time in the 180 days before you depart on your trip:
   1. you have taken medication, been prescribed medication, or received treatment for any heart condition; or
   2. you have experienced a deterioration of, or sought treatment for, any heart condition.
3. Your lung condition (whether or not the diagnosis has been determined), if at any time in the 180 days before you depart on your trip:
   1. you have taken medication, been prescribed medication, or received treatment for any lung condition; or
   2. you have experienced a deterioration of, or sought treatment for, any lung condition.

Stable - any medical condition or related condition (including any heart condition or any lung condition) for which there have been:

• no new treatment, new medical management, or new prescribed medication; and
• no change in treatment, change in medical management, or change in medication; and
• no new symptom or finding, more frequent symptom or finding, or more severe symptom or finding experienced; and
• no new test results or test results showing a deterioration; and
• no investigations or future investigations initiated, or recommended for your symptoms; and
• no hospitalization or referral to a specialist (made or recommended)