Common use of CONGENITAL AND HEREDITARY DISORDERS Clause in Contracts

CONGENITAL AND HEREDITARY DISORDERS. Coverage under this policy for congenital and hereditary disorders is as follows: (a) The lifetime maximum benefits for any congenital and heredi- tary disorders that manifest themselves before the insured’s eighteenth (18th) birthday are: i. Two hundred fifty thou- sand dollars ($250,000) per person, including any benefits already paid on an existing policy or rider, after deductible and co-insur- ance (if applicable), for any congenital and hereditary disorders that initially mani- fest themselves on or after your policy anniversary date occurring on or after August 1, 2003; ii. Twenty five thousand dollars ($25,000) per person up to the insured’s eighteenth (18th) birthday, including any benefits already paid on an existing policy or rider, for insureds born from a covered pregnancy only, when the congenital and hereditary disorders initially manifest themselves prior to your policy anniversary date occurring on or after August 1, 2003. (b) The lifetime maximum benefits for any congenital and heredi- tary disorders that manifest themselves on or after the insured’s eighteenth (18th) birthday and subsequent to your policy anniversary date on or after January 1, 2000 are equal to the maximum policy limits herein, after deductible and co-insurance (if applicable).

CONGENITAL AND HEREDITARY DISORDERS. Coverage under this policy for congenital and hereditary disorders is as follows: (a) The lifetime maximum benefits for any congenital and heredi- tary hereditary disorders that manifest themselves before the insured’s eighteenth (18th) birthday are: i. Two One hundred fifty thou- sand thousand dollars ($250,000100,000) per person, including any benefits already paid on an existing policy Certificate or rider, after deductible and co-insur- ance insurance (if applicable), for any congenital and hereditary disorders that initially mani- fest manifest themselves on or after after, your policy anniversary date and/or your Certificate effective date, occurring on or after August 1, 2003; ii. Twenty five thousand dollars ($25,000) per person up to the insured’s eighteenth (18th) birthday, including any benefits already paid on an existing policy Certificate or rider, for insureds born from a covered pregnancy only, when the congenital and hereditary disorders initially manifest themselves prior prior, to your policy anniversary date and/or your Certificate effective date, occurring on or after August 1, 2003. (b) The lifetime maximum benefits for any congenital and heredi- tary hereditary disorders that manifest themselves on or after the insured’s eighteenth (18th) birthday and subsequent subsequent, to your policy anniversary date and/or your Certificate effective date, on or after January 1, 2000 are equal to the maximum policy limits herein, after deductible and co-insurance (if applicable).

CONGENITAL AND HEREDITARY DISORDERS. Coverage under this policy for congenital and hereditary disorders is as follows: (a) The lifetime maximum benefits for any congenital and heredi- tary disorders that manifest themselves before the insured’s eighteenth (18th) birthday are: i. Two One hundred fifty thou- sand thousand dollars ($250,000100,000) per person, including any benefits already paid on an existing policy Certificate or rider, after deductible and co-insur- ance insurance (if applicableappli- cable), for any congenital and hereditary disorders that initially mani- fest themselves manifest them- selves on or after after, your policy anniversary date and/or your Certificate effective date, occurring on or after August 1, 2003; ii. Twenty five thousand dollars ($25,000) per person up to the insured’s eighteenth (18th) birthday, including any benefits already paid on an existing policy Certificate or rider, for insureds born from a covered pregnancy only, when the congenital and hereditary disorders initially manifest themselves prior prior, to your policy anniversary date and/or your Certificate effective date, occurring on or after August 1, 2003. (b) The lifetime maximum benefits for any congenital and heredi- tary disorders that manifest themselves on or after the insured’s eighteenth (18th) birthday and subsequent subsequent, to your policy anniversary date and/or your Certificate effective date, on or after January 1, 2000 are equal to the maximum policy limits herein, after deductible and co-insurance (if applicable).

CONGENITAL AND HEREDITARY DISORDERS. Coverage under this policy for congenital and hereditary disorders is as follows: (a) The lifetime maximum benefits for any congenital and heredi- tary hereditary disorders that manifest themselves them- selves before the insured’s eighteenth eigh- teenth (18th) birthday are: i. Two One hundred fifty thou- sand thousand dollars ($250,000100,000) per person, including any benefits already paid on an existing policy or rider, after deductible and co-insur- ance (if applicable), for any congenital and hereditary disorders that initially mani- fest themselves on or after your policy anniversary date occurring on or after August 1, 2003; ii. Twenty five Ten thousand dollars ($25,00010,000) per person up to the insured’s eighteenth (18th) birthday, including any benefits already paid on an existing policy or rider, for insureds born from a covered pregnancy only, when the congenital and hereditary disorders initially manifest themselves prior to your policy anniversary date occurring on or after August 1, 2003. (b) The lifetime maximum benefits for any congenital and heredi- tary hereditary disorders that manifest themselves them- selves on or after the insured’s eighteenth (18th) birthday and subsequent to your policy anniversary anni- versary date on or after January 1, 2000 are equal to the maximum policy limits herein, after deductible deduct- ible and co-insurance (if applicableappli- cable).

CONGENITAL AND HEREDITARY DISORDERS. Coverage under this policy for congenital and hereditary disorders is as follows: (a) The lifetime maximum benefits for any congenital and heredi- tary hereditary disorders that manifest themselves before the insured’s eighteenth (18th) birthday are: i. Two One hundred fifty thou- sand thousand dollars ($250,000100,000) per person, including any benefits already paid on an existing policy Certificate or rider, after deductible deduct- ible and co-insur- ance insurance (if applicable), for any congenital and hereditary disorders that initially mani- fest manifest themselves on or after after, your policy anniversary date and/or your Certificate effective date, occurring on or after August 1, 2003; ii. Twenty five thousand dollars ($25,000) per person up to the insured’s eighteenth (18th) birthday, including any benefits already paid on an existing policy Certificate or rider, for insureds born from a covered pregnancy only, when the congenital and hereditary disorders initially manifest themselves prior prior, to your policy anniversary date and/or your Certificate effective date, occurring on or after August 1, 2003. (b) The lifetime maximum benefits for any congenital and heredi- tary disorders hereditary disor- ders that manifest themselves on or after the insured’s eighteenth (18th) birthday and subsequent subsequent, to your policy anniversary date and/or your Certificate effective date, on or after January 1, 2000 are equal to the maximum policy limits herein, after deductible and co-insurance (if applicable).

CONGENITAL AND HEREDITARY DISORDERS. Coverage under this policy for congenital and hereditary disorders is as follows:: BUPA SELECT (a) The lifetime maximum benefits for any congenital and heredi- tary hereditary disorders that manifest themselves them- selves before the insured’s eighteenth eigh- teenth (18th) birthday are: i. Two One hundred fifty thou- sand thousand dollars ($250,000100,000) per person, including any benefits already paid on an existing policy or rider, after deductible and co-insur- ance (if applicable), for any congenital and hereditary disorders that initially mani- fest themselves on or after your policy anniversary date occurring on or after August 1, 2003; ii. Twenty five Ten thousand dollars ($25,00010,000) per person up to the insured’s eighteenth (18th) birthday, including any benefits already paid on an existing policy or rider, for insureds born from a covered pregnancy only, when the congenital and hereditary disorders initially manifest themselves prior to your policy anniversary date occurring on or after August 1, 2003. (b) The lifetime maximum benefits for any congenital and heredi- tary hereditary disorders that manifest themselves them- selves on or after the insured’s eighteenth (18th) birthday and subsequent to your policy anniversary anni- versary date on or after January 1, 2000 are equal to the maximum policy limits herein, after deductible deduct- ible and co-insurance (if applicableappli- cable).