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An illness, injury or condition shall be considered pre-existing if prior to the effective date of the Member’s coverage and within the first twelve (12) months from the effective date of this Agreement (1) any professional advice or treatment has been obtained for such illness, injury, or condition prior to the said effective date as certified in writing by the attending physician; or (2) such illness, injury or condition was evident upon medical examination in connection with the Member’s application; or (3) the pathogenesis of such illness, injury or condition can be clinically determined to have started prior to the effective date of coverage or at the time of processing of the Member’s application, whether or not the Member is aware of such illness or injury.

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