Global Mission Medical Insurance provides flexible underwriting methods to extend coverage
to you. Your application may be underwritten by Standard Underwriting or the Flexible
Underwriting Option.
Standard Underwriting - All disclosed medical conditions which have not been specifically
excluded or restricted by a rider, will be covered after coverage has been in effect
for 24 continuous months (subject to the foregoing limits and the other terms of
the plan*).
The Silver, Gold and Gold Plus plan options provide a $50,000 lifetime benefit for
eligible pre-existing conditions that existed at or prior to the effective date,
subject to a maximum of $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 of continuous coverage.
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.
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