Pre-Existing Medical Conditions

 

 

 

 

 

 

 

 

 



If you are up to or including age seventy-five (75) the following medical conditions are automatically covered under this Policy, provided you satisfy the criteria.

If you are over age seventy-five (75), you will not be covered for any of the medical conditions listed below, irrespective of whether you meet the criteria.

The time frames applicable to each medical condition apply from the date of issue of Your Policy on Your Policy Schedule.

ConditionCriteria
AsthmaIf You have not had an asthma attack requiring treatment by a Doctor in the last twelve (12) months.
Diabetes Non-insulin dependentIf You were diagnosed over twelve (12) months ago and have not had any complications in the last twelve (12) months. You must also have a Blood Sugar Level reading between four (4) and ten (10).
EpilepsyIf there are no underlying medical conditions and You have not required treatment by a Doctor for a seizure in the last twelve (12) months.
GoutIf the gout has remained stable for the past six (6) months.
Hiatus HerniaIf no surgery is planned in the next two (2) years.
Hip ReplacementIf performed more than six (6) months ago.
High Blood PressureIf You have no known heart conditions and Your current blood pressure reading is below 165/95.
High CholesterolIf You have no known heart conditions.
Peptic UlcerIf Your condition has remained stable for more than six (6) months.
Prostate CancerIf You have a Gleason Score P.S.A Prostate Specific Antigen of 3.0.
StrokeIf the stroke occurred more than twelve (12) months ago and no further rehabilitation or specialist review is planned.
Underactive ThyroidIf not as a result of a tumour.


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