After coverage has been in effect for 24 continuous months, Global Mission Medical Insurance provides a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of US$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. This is important since few pre-existing conditions remain free from ongoing consultation or treatment, and often do not qualify for coverage in standard plans. Global Mission Medical Insurance does not "rider" or charge additional premium for pre-existing conditions. If you properly disclose a preexisting condition at the time of application, and are accepted into the plan, you will be covered for eligible medical expenses after 24 months of continuous coverage, subject to the foregoing limits and the other terms of the plan.*

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 under the plan, and are subject to the waiting period and other limitations of coverage described above: tonsillectomy, disc disease, 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.

OTHER EXCLUSIONS & LIMITATIONS*

Routine physical examinations-first 12 months

Maternity and newborn-first 12 months

Mental and nervous-first 12 months

Dental treatment unless accident related

Organized amateur or professional sports

Treatment not ordered or received by a physician

Treatment or supplies not medically necessary

Investigational, experimental or research procedures

Custodial care

Weight modification

Elective cosmetic or plastic surgery

Treatment of impotency

Contraceptive medication or treatment

Drug and alcohol abuse treatment

Organ transplants not specifically listed

Devices to correct sight or hearing

Routine foot care

Treatment by a relative or family member

Treatment as a result of war or riot

Treatment resulting from illegal activities

Speech therapy

Persons HIV+ at effective date

Services and treatment eligible for payment by any government or other insurance

* See certificate wording for a definition of pre-existing conditions and a complete list of exclusions and limitations, and for all other specific terms and conditions of the plan. Certificate wording is available upon request.