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EXCLUSIONS
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;
- For eye refractions or eye examinations for the purpose of prescribing 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.
- For pregnancy or childbirth, organ transplants, marrow procedures, and chemotherapy.
Click
here to view a list of the definition of terms.
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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.
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