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.
| Condition |
Criteria |
| Asthma |
If you have not had an asthma attack requiring treatment by a Doctor in the last twelve (12) months. |
| Diabetes Non-insulin dependent |
If 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). |
| Epilepsy |
If there are no underlying medical conditions and You have not required treatment by a Doctor for a seizure in the last twelve (12) months. |
| Gout |
If the gout has remained stable for the past six (6) months. |
| Hiatus Hernia |
If no surgery is planned in the next two (2) years. |
| Hip Replacement |
If performed more than six (6) months ago. |
| High Blood Pressure |
If you have no known heart conditions and your current blood pressure reading is below 165/95 |
| High Cholesterol |
If you have no known heart conditions. |
| Peptic Ulcer |
If your condition has remained stable for more than six (6) months. |
| Prostate Cancer |
If you are no longer undergoing treatment and have a P.S.A. (Prostate Specific Antigen) reading of 3.0 or less. |
| Stroke |
If the stroke occurred more than twelve (12) months ago and no further rehabilitation or specialist review is planned. |
| Underactive Thyroid |
If not as a result of a tumor. |