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This exclusion applies to you if you are insured under the Standard Health Option for either the Base Plan or Supplemental Plan.
This insurance does not cover any expenses for Emergency Medical Insurance and Trip Cancellation, Interruption & Delay Insurance, incurred directly or indirectly as a result of:
| 1. |
A medical condition or related condition, if in the 90 days before your day of departure or day of booking, that medical condition or related condition was not stable. |
| 2. |
A heart condition, if in the 90 days before your day of departure or day of booking:
| a)
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any heart condition has not been stable; or |
| b)
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you have taken nitroglycerin more than once per week specifically for the relief of angina pain for any heart condition. |
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| 3. |
A lung condition, if in the 90 days before your day of departure or day of booking:
| a)
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any lung condition has not been stable; or |
| b)
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you have been treated with home oxygen or taken oral steroids (prednisone or prednisolone) for any lung condition. |
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Your day of departure applies to
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Emergency Medical Insurance coverage; and |
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Interruption & Delay Insurance coverage. |
Your day of booking applies to:
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Trip Cancellation Insurance. |
Additional exclusions and limitations apply to all Policyholders as outlined in the Policy/Certificate.
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