PRE-EXISTING MEDICAL
CONDITIONS
A disease is considered to be pre-existing if
any of the following cases are present:
1.
such illness or injury
was in any way evident to the Individual before the effective date of the Memorandum
Of Agreement
2.
any professional advice
or treatment was obtained prior to the effective date of the Memorandum of
Agreement
3.
the illness or injury
can be clinically determined to have started prior to the effective date of the
Memorandum Of Agreement
4.
Medical conditions
disclosed in the application form.
Even
though care may have been recommended and the individual did not elect to
follow up on the recommended care, the tagging as a definable pre-existing
condition still applies.
Following (but not limited
to) are automatically considered as pre-existing conditions if treatment or
recommended care was made before the coverage and is sought within the first
twelve (12) months of coverage:
|
PRE-EXISTING NON-DREADED
CONDITIONS
|
|
|
Anal
fistulae
|
Hernia
|
|
Bronchial
Asthma
|
Hypertension
|
|
Calculi,
urinary tract and gall bladder
|
Prostate
disorders
|
|
Cataracts
|
Urethral
stenosis
|
|
Endometriosis,
ovarian cysts, myoma uteri
|
Urinary
strictures
|
|
Goiter
|
Varicose
veins
|
|
Hemorrhoids
|
Visual
defects
|
|
Abnmormalities
of the nasal system turbinates & sinus conditions requiring surgery
|
|
DREADED CONDITIONS are defined as
generally “chronic and irreversible” diseases that require frequent and/or
prolonged hospitalization
|
PRE-EXISTING DREADED CONDITIONS
|
|
|
Chronic
Cerebrovascular Accidents
|
Poliomyelitis,
Hematologic and Infectious diseases
|
|
Chronic
Cardiovascular Diseases
|
Chronic
Pulmonary or Renal diseases
|
|
Neuro-surgical/Neurological
conditions
|
Injuries/illnesses
due to or caused by accidents or burns
|
|
Blood
dyscracias, Bactremia, Septicemia
|
Benign
and Malignant new growth, Cirrhosis of the Liver
|
|
Collagen
diseases, Immune deficiency (excluding AIDS), endocrine abnormalities
|
Chronic
EENT diseases specially requiring surgery; chronic gastro-intestinal diseases
|
|
Motor
Neuron Diseases
|
Any
other illnesses requiring the Individual to be confined in an intensive care
or other similar facility
|
|
Cholelithiasis
|
Ureterolithiasis
|
If you are interested to get a corporate plan or individual & family plan, you may contact us at (02) 6228892; 09178046275 or email us at eastwesthealthcareinquiry@gmail.com
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