Page 21 - Εταιρικό Comprehenshive

5 Existing medical conditions
Am I covered for medical conditions that I had prior to joining?
As medical insurance is designed primarily to provide cover for treatment of new medical
conditions that arise after you join, there is generally no cover for treatment of medical
conditions that existed prior to joining or for medical conditions arising from or associated with a
medical condition that existed prior to joining.
Please note:
In some circumstances you may have joined on different terms to those described above and you
will find those terms on your membership statement. For example, if you have joined from
another insurer we may have transferred the medical underwriting terms from your previous policy
for medical conditions that existed prior to you joining that policy. You may also have an
additional addendum which details the terms that apply.
5.1 We pay for eligible:
(a) Treatment of a medical condition that arises after you join and for eligible treatment of any
other medical condition specifically detailed on your membership statement as included for
benefit.
5.2 What we do not pay for:
(a) Treatment of any medical condition (or treatment of any medical condition arising from or
associated with such a medical condition) which you already had when you joined and
which you should have told us about when we asked but which you either:
• did not tell us about at all; or
• omitted to tell us about the full extent of it.
This includes:
• any current or previous medical condition(s) or symptoms, (whether or not being
treated); and
• any previous medical condition(s) which recur(s) or which you should reasonably have
known about (even if you had not consulted a doctor).
(b) Treatment of any other medical condition detailed on your membership statement as
excluded for benefit.
How will I know what medical conditions I am not covered for?
If you have completed a medical history declaration, your membership statement will show the
medical conditions we will not cover. Please contact us if you are in any doubt about the extent
of your cover.
Please see page 52 for an explanation of words that appear in bold 19