Silver and Gold:
On the Silver and Gold plan options, conditions that are fully disclosed on the application and have not been excluded or restricted by a rider, will be covered after coverage has been in effect for 24 continuous months(subject to the foregoing limits and the other terms of theplan*). The Silver and Gold plan options provide a $50,000 lifetime benefit for eligible pre-existing conditions thatexisted at or prior to the effective date, subject to amaximum of $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.
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 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.
Platinum:
On the Platinum plan option, conditions that are fully disclosed on the
application and have not been excluded or restricted by a rider will be
covered the same as any illness. Conditions, including any complications
therefrom, that are not fully disclosed on the application will not be
covered.
OTHER EXCLUSIONS & LIMITATIONS*
Treatment not
ordered or received by a physician
Treatment or supplies not medically necessary
Investigational, experimental or research procedures
Custodial care
Weight modification
Elective cosmetic or plastic surgery
Treatment of impotency
Contraceptive medication or treatment
Drug and alcohol abuse treatment
Organ transplants not specifically listed
Routine foot care
Treatment by a relative or family member
Treatment as a result of war or riot
Treatment resulting from illegal activities
Speech therapy
Persons HIV+ at effective date
Organized amateur or professional sports
Maternity and newborn care (unless the maternity rider or Platinum plan option is purchased - see Summary Schedule of Benefits)
Services and treatment eligible for payment by any government or other insurance
Adult routine physical examinations are excluded under the Silver plan option and for the first 12 months for the Gold and Platinum plan options
Devices to correct sight or hearing are excluded under the Silver and Gold plan options
Inpatient mental and nervous is excluded under the Silver plan option and for the first 12 months for the Gold and Platinum plan options
Outpatient mental and nervous for the first 12 months on all plan options
*This
website contains only a consolidated and summary description of some of the
current Global Medical Insurance benefits, conditions, limitations and
exclusions. A certificate containing the complete Certificate Wording with all
terms, conditions and exclusions will be included in the fulfillment kit. IMG
reserves the right to issue the most current Certificate Wording for this
insurance plan in the event this application and/or brochure has expired, is
modified, or is replaced with a newer version. Current Certificate Wordings are
available upon request.
