– Any professional advice or treatment was given for such illness or condition;
– Such illness or condition was, in any way, evident to the Member or upon medical examination in connection with the – Member’s application; or,
– Pathogenesis of such illness or condition has started whether or not the Member is aware of such illness.
– Hernias
– Cancer / Tumor / Neoplasms
– Endometriosis
– Hemorrhoids
– Ear-Nose-Throat conditions requiring surgery
– Hyphothyrodism / Hyperthyrodism / Goiter
– Cataracts / Glaucoma
– Epilepsy
– Asthma
– Cirrhosis of the Liver
– Tuberculosis
– Anal fistulae
– Cholecystitis / Cholelelithiasis
– Calculi of the urinary system
– Gastric / Duodenal Ulcer
– Hallux Valgus
– Diabetes Mellitus
– Hypertension
– Collagen diseases
– Cardiovascular diseases
An illness or condition shall be considered pre existing if, prior to the effective date of the member’s health coverage (Membership Agreement) or prior to the approval date:
The following conditions, among others, when occurring during the first year of coverage after the Effective Date, are considered Pre-existing: (a) hernias; (b) cancer or tumor or neoplasms; (c) endometriosis; (d) hemorrhoids; (e) ear-nose–throat conditions requiring surgery; (f)hyphothyroidism/hyperthyroidism/goiter; (g) cataracts and glaucoma; (h) epilepsy; (i) asthma; (j) cirrhosis of the liver; (k)tuberculosis; (l) anal fistulae; (m) cholecystitis/cholelelithiasis; (n)calculi of the urinary system; (o) gastric or duodenal ulcer; (p) hallux valgus; (q) diabetes mellitus; (r) hypertension; (s)collagen diseases (t) cardiovascular diseases.