Pre-existing conditions and exclusions

Silver and Gold:
After coverage has been in effect for 24 continuous months, the Silver and Gold plan options provide a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective 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. The Silver and Gold plan options do 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 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.

Silver and Gold:
After coverage has been in effect for 24 continuous months, the Silver and Gold plan options provide a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective 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. The Silver and Gold plan options do 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 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.