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 maximum benefits per lifetime for any congenital and hereditary disorders that manifest themselves before the insured’s eighteenth (18th) birthday are two hundred and fifty thousand dollars ($250,000) per person, including any benefits already paid on an existing policy or rider, after deductible and co-insurance (if applicable). (b) The maximum benefits per lifetime for any congenital and hereditary disorders that manifest themselves on or after the insured’s eighteenth (18th) birthday 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 maximum benefits per lifetime for any congenital and hereditary disorders that manifest themselves before the insured’s eighteenth (18th) birthday are two one hundred and fifty thousand dollars ($250,000100,000) per person, including any benefits already paid on an existing policy or rider, after deductible and co-insurance (if applicable). (b) The maximum benefits per lifetime for any congenital and hereditary disorders that manifest themselves on or after the insured’s eighteenth (18th) birthday 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 maximum benefits per lifetime for any congenital and hereditary disorders that manifest themselves before the insured’s eighteenth (18th) birthday are two one hundred and fifty thousand dollars ($250,000100,000) per person, including any benefits already paid on an existing policy or rider, after deductible and co-co- insurance (if applicable). (b) The maximum benefits per lifetime for any congenital and hereditary disorders that manifest themselves on or after the insured’s eighteenth (18th) birthday 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 maximum benefits per lifetime for any congenital and hereditary disorders that manifest themselves before the insured’s eighteenth (18th) birthday are two hundred and fifty thousand dollars ($250,000) per person, including any benefits already paid on an existing policy or rider, after deductible and co-co- insurance (if applicable). (b) The maximum benefits per lifetime for any congenital and hereditary disorders that manifest themselves on or after the insured’s eighteenth (18th) birthday are equal to the maximum policy limits herein, after deductible and co-insurance (if applicable).