|
|
|
EXCLUSIONS
Unless Home
Country Coverage has been purchased, no
benefit shall be payable for any expenses or losses incurred for:
- Illnesses
first manifested, treated or diagnosed while you are visiting your Home
Country;
- Injuries
incurred while you are visiting your Home
Country;
- Treatments or services rendered in your Home
Country.
With respect to Medical Expense, no benefit shall be payable with respect to expenses incurred:
- For Pre-Existing Conditions, defined as any Injury
or Illness
which was contracted or which manifested itself, or for which treatment or medication was prescribed 3 years prior to the
effective date of this insurance;
- For services, supplies, or treatment; including any period of Hospital
confinement, which were not recommended, approved and certified as necessary and reasonable by a Physician;
- For suicide or any attempt thereat while sane or self-destruction or any attempt thereat while insane;
- Due to declared or undeclared war; or any act thereof;
- For Injury
sustained while participating in professional athletics;
- For sickness resulting from pregnancy, childbirth, or miscarriage;
- For miscarriage resulting from an accident;
- For routine physicals or other examinations where there are no objective indications or impairment
in normal health, and laboratory diagnostic or x-ray examinations except in the course of a disability
established by the prior call or attendance of a Physician;
- For cosmetic or plastic surgery; except as the result of an accident;
- For elective surgery which can be postponed until the Insured returns to his/her Home
Country;
- For any mental or nervous disorders or rest cures;
- For dental care; except as the result of Injury
to natural teeth caused by an accident;
- corrective lenses or for the fitting thereof; unless caused by accidental bodily Injury
incurred while insured hereunder;
- In connection with alcoholism or drug addiction; or the use of any drug or narcotic agent;
- For congenital anomalies and conditions arising out of or resulting therefrom;
- For expenses which are non-medical in nature;
- For the ordinary cost of a one-way airplane ticket used in the transportation
back to the Insured’s country where an air ambulance benefit is provided;
- As a result of or in connection with any intentionally self-inflicted Injury;
- As a result of or in connection with the commission of a felony offense;
- For specific named hazards: motorcycle driving, scuba diving, skiing, mountain climbing, sky diving,
professional or amateur racing, and piloting any aircraft;
- Treatment paid for or furnished under any other individual or group policy, or other service or medical
pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory
government program or facility set up for treatment without cost to any individual.
Click
here to view a list of the definition of terms.
|
E-mail us for more information and a free quote or CALL TOLL FREE
1-800-875-4490 (in the U.S.)
or 1-253-854-0199 (outside the U.S.)
Fax: 1-253-896-9411
Mailing address: Maddock & Associates, 1407 Willow Road E, Suite C, Tacoma, WA 98424
Serving all of Washington at 800-875-4490, Seattle at 206-682-1628,
Bellevue at 425-454-6834, Kent at 253-854-0199 and Tacoma at 253-572-3291.
Copyright© 1998-2008, Maddock & Associates | Privacy Statement
Problems viewing this page? Contact the webmaster.
|
|
