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Global Mission Basic Exclusions
Plan Overview
| Benefits
| Exclusions
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Rates: Worldwide Including US & Canada | Worldwide Excluding US & Canada
After coverage has been in effect for 24 continuous months, Global Basic 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 Basic Insurance does not "rider" or charge additional
premium for pre-existing conditions. If you properly disclose a pre-existing
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*
Maternity and newborn-first 12 months
Inpatient mental and nervous
Routine physical exams
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.
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