Non-emergency and pre-existing conditions, congenital and maternity-related conditions, and other conditions under iCare’s General Exclusions list are not covered by this product.
An illness or condition is considered pre-existing if, prior to effective date of coverage:
- (a) Any professional advice or treatment was given for such illness or condition;
- (b) Such illness or condition was in any way already known to the Member; or
- (c) The pathogenesis of such illness or condition had already started (of which the Member may not be aware of).
Non-coverable accidents include, but are not limited to: self-inflicted injuries; injuries from professional sports and high-risk sports; injuries or illnesses due to military, paramilitary, or police service; injuries from high risk activities or suffered under conditions of war; and accidents that are secondary to or contracted due to degenerative diseases such as Alzheimer’s Disease and Parkinson’s Disease.
For more information, see “General Exclusions”.
