WAIVING OF WAITING PERIOD. The Insurer will waive the waiting period only if:
(a) Other medical expense insurance was in force with another company for the Insured for at least one
(1) continuous year; and
(b) The effective date of this policy commences within thirty (30) days of the expiration of the previous coverage; and
(c) The prior coverage is disclosed in the application for insurance; and
(d) We receive the prior policy and a copy of the receipt for the last year’s premium payment, with the application. If the waiting period is waived, benefits payable for any condition incurred during the first ninety (90) days of coverage are limited, while the policy is in force, to the lesser benefit provided either by this policy or the prior policy.
WAIVING OF WAITING PERIOD. The Insurer will waive the waiting period only if:
(a) Other medical expense insur- ance was in force with another company for the Insured for at least one (1) continuous year; and
(b) The effective date of this policy commences within thirty (30) days of the expiration of the previous coverage; and
(c) The prior coverage is disclosed in the application for insurance; and
(d) We receive the prior policy and a copy of the receipt for the last year’s premium payment, with the application. If the waiting period is waived, benefits payable for any condi- tion incurred during the first ninety (90) days of coverage are limited, while the policy is in force, to the lesser benefit provided either by this policy or the prior policy. EXCLUSIONS AND LIMITATIONS
1. Treatment of any illness, injury, or any charges arising from any treatment, service or supply which is:
(a) Not medically necessary; or
(b) For an Insured who is not under the care of a physician, doctor or skilled professional; or
(c) Not authorized or prescribed by a physician or doctor; or
(d) Custodial care.
2. Any care or treatment, while sane or insane, received due to self inflicted illness or injury, suicide, failed suicide, alcohol use or abuse, drug use or abuse, or the use of illegal substances or illegal use of controlled substances. This includes any accident resulting from any of the aforementioned criteria.
3. Routine eye and ear examinations, hearing aids, eye glasses, contact lenses, radial keratotomy and/or other procedures to correct eye refraction disorders.
4. Any medical examination or diagnos- tic study which is part of a routine physical examination, including vac- cinations and the issuance of medical certificates and examinations as to the suitability for employment or travel.
5. Chiropractic care, homeopathic treat- ment, acupuncture or any type of alternative medicine.
6. Any illness or injury not caused by an accident or a disease of infectious origin which first manifested within
7. Elective or cosmetic surgery, or medical treatment, which is primar- ily for beautification, unless neces- sitated by injury, deformity or illness, which first occurs, while the Insured is covered under this policy. This also includes any surgical treatment for nasal or septal deformity that was not induced by trauma, except as provided for in this policy.
8. Any charges in connection with pre- existing conditions, except as defined and addressed in this policy.
9. Any treatment, service or supply ...
WAIVING OF WAITING PERIOD. The insurer will waive the waiting period only if:
(a) Other medical expense insurance for the insured was in effect with another company for at least one
(1) continuous year, and
(b) The effective date of this policy begins within sixty (60) days of the expiration of the previous coverage, and
(c) The prior coverage is disclosed in the health insurance application, and
(d) We receive the prior policy and a copy of the receipt for the last year’s premium payment, with the health insurance application. If the waiting period is waived, benefits payable for any condition manifested dur- ing the first sixty (60) days of coverage are limited, while the policy is in effect, to the lesser benefit provided by either this policy or the prior policy.
