Acute Onset of Pre-Existing Conditions - Covered up to $50,000 or $150,000 (depending on selected policy maximum) for Ages Below 70 years
Beacon International visitors insurance will provide coverage for the acute onset of pre-existing conditions for person under the age of 70 years in limited circumstances and up to a limited amount, as described below.
In order to understand acute onset of pre-existing conditions coverage, it is important to understand pre-existing conditions.
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 Effective Date of Coverage, whether or not previously manifested or symptomatic, diagnosed, treated or disclosed on the Application or on any Claim Form or otherwise, which would include any chronic, subsequent or recurring complications, or consequences associated therewith or arising or resulting therefrom.
Acute Onset of a Pre-existing Condition
An unexpected outbreak or recurrence of a pre-existing condition, that occurs unexpectedly and without advance warning, either in the form of physician recommendation or symptoms that have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected occurrence of pain.
If you are under age 70:
- You may be covered at $150,000 Sub-Limit for these Maximum Limits purchased - $550,000, $1,100,000 or $2,000,000
- For purchased Maximum Limits between $60,000 and $200,000, you may be covered at $50,000 Sub-Limit.
Emergency Medical Evacuation has a $25,000 Sub-Limit, and is only available to Participating Members under the age of 70.
Conditions and Restrictions
The sudden and unexpected outbreak or reoccurrence of a pre-existing condition(s), which occurs unexpectedly and without advance warning either in the form of physician recommendation or symptoms (which would have caused a prudent person to seek medical advice, attention or treatment), is short in duration, is rapidly progressive and requires urgent care. The acute onset of a pre-existing condition(s) must occur after the effective date of the evidence of insurance, effective date of coverage or effective date of insurance. Treatment for the acute onset of a pre-existing condition must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence. A pre-existing condition that is a chronic or congenital condition or that gradually gets worse over time will not be considered a "acute onset of a pre-existing condition". The acute onset of a pre-existing condition does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of the evidence of insurance, effective date of coverage or effective date of insurance. The acute onset of a pre-existing condition does not include treatment after the initial stabilization of a covered or eligible benefit for "acute onset of a pre-existing condition".
Any Illness, Injury, Mental or Nervous Disorder, sickness, disease, physical, or any other condition or ailment for which medical advice, diagnosis, care, or treatment (would include but not limited to receiving services and supplies, consultations, diagnostic tests, or prescription medications) was recommended or received during the seven-hundred thirty (730) days immediately preceding the Effective Date of the insurance; any condition that manifested itself (whether known or unknown) in such a manner that would cause a reasonably prudent person to seek medical attention, treatment, advice, diagnosis, or care that with reasonable medical certainty, existed at the time of application or within the seven-hundred thirty (730) days immediately preceding the Effective Date of Coverage or Effective Date of Insurance. For the purposes of the Complications of Pregnancy coverage offered herein, Pregnancy will not be included within the definition of a Pre-existing Condition.