IMG Global Health Plan Exclusions Page

Family

IMG GLOBAL MEDICAL INSURANCE
^{Pre-Existing
Conditions and Exclusions}

PRE-EXISTING CONDITIONS

After coverage has been in effect for 24 continuous months, Global Medical Insurance provides a US$50,000 lifetime benefit with a maximum of US$5,000 per policy period for pre-existing conditions that existed at or prior to the effective date. 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 consultation or treatment 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 disclose a pre-existing condition at the time of application, and we accept you into the plan, you will be covered for eligible medical expenses, after 24 months.

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: tonsillectomy, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, any condition of the prostate.

.OTHER EXCLUSIONS AND LIMITATIONS*

Routine physical examinations first 24 months
Maternity and newborn first 12 months
Mental and nervous first 12 months
Dental treatment unless accident related
Organized amateur or professional sports
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
Devices to correct sight or hearing
Routine foot care
Treatment by a relative or family member
Treatment as a result of war or riot
Treatment resulting from illegal activities
Speech or acupuncture therapy
Persons HIV+ at effective date
Services and treatment eligible for payment by any government or other insurance

*See policy wording for complete list of exclusions and limitations. Download Brochure.

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