Coverage ends on the earliest of:
The end of the period for which premium was paid; or
The termination date shown on certificate; or
The date the insured no longer meets eligibility requirements; or
The attainment of age 75 however, individuals who enrolled for coverage prior to their
birthday and maintain continuous coverage until their 75
birthday will be offered the
Global Senior Plan
. Global Senior Plan is available to individuals who hold certificates
with an initial effective date during or after 1995; or
The date the Company elects to cancel all insured persons of the same sex, age, class, or
geographic location (following 30 days advance notice).
PRE EXISTING CONDITION CLAUSE
After coverage has been in effect for 24 continuous months, Global Medical Insurance provides a
US$50,000 lifetime benefit for eligible pre existing conditions that existed at or prior to the effec
tive 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 treat
ment, and often do not qualify for coverage in standard plans. Global Medical Insurance 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 recom
mended 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: tonsillectomy, disc disease, adenoidectomy, hemorrhoids or hemor
rhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney
stones, any condition of the breast, and any condition of the prostate.
Pre existing Condition: Any Illness, Injury or Mental or Nervous Disorder that, with reasonable
medical certainty, 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.
Note: Pre existing conditions disclosed at the time of application are covered up to US$50,000
lifetime after 24 months of continuous coverage, subject to a maximum of US$5,000 per policy
period. This benefit is payable whether or not you have received consultation or treatment for the
condition(s) during the 24 month period. Please see the policy wording for specific terms and con
ditions of the plan concerning eligible benefits, limitations, eligibility and exclusions. Policy wording
is available upon request.
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