After coverage has been in effect for 24 continuous months, Global Medical Insurance^sm provides a US$25,000 benefit 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. Unlike other plans, Global Medical Insurance^sm 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 manifest themselves or are treated or have treatment recommended during the first 180 days of coverage beginning on the initial effective date are excluded: 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.