Common use of CONGENITAL AND/OR HEREDITARY DISORDERS Clause in Contracts

CONGENITAL AND/OR HEREDITARY DISORDERS. Coverage under this policy for congenital and/or hereditary disorders is as follows: (a) The maximum benefit for disorders first manifested before the insured’s eighteenth (18th) birthday is one million dollars (US$1,000,000) per insured, per lifetime, including any benefits already paid on a Bupa policy or rider, after the applicable deductible. (b) Benefits for disorders first manifested on or after the insured’s eighteenth (18th) birthday are equal to the maximum policy limit herein, after the applicable deductible. (c) The benefit starts once the congenital and/or hereditary condition has been diagnosed by a physician. The benefit is retroactive to any period prior to the identification of the actual condition.

CONGENITAL AND/OR HEREDITARY DISORDERS. Coverage under this policy for congenital and/or hereditary disorders is as follows: (a) The maximum benefit for disorders first manifested before the insured’s eighteenth eigh- teenth (18th) birthday is one million dollars (US$1,000,000) per insured, per lifetime, including any benefits already paid on a Bupa policy or rider, after the applicable deductible. (b) Benefits for disorders first manifested on or after the insured’s eighteenth (18th) birthday are equal to the maximum policy limit herein, after the applicable appli- cable deductible. (c) The benefit starts once the congenital and/or hereditary condition has been diagnosed by a physician. The benefit is retroactive to any period prior to the identification of the actual condition.