Atlas International Visa

ACUTE ONSET OF PRE-EXISTING CONDITIONS

Subject to all other terms, conditions and limitations of this Master Policy, in the event you experience an acute onset of a pre-existing condition during the certificate period for which  immediate treatment is essential and necessary to stabilize the pre-existing condition, this Master Policy will cover eligible medical expenses The benefit will apply only if at the time of the acute onset of a pre-existing condition all of the following conditions are met:

(a) The Acute onset of a Pre-Existing Condition does not directly or indirectly relate to a chronic condition or congenital condition;

(b) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or recurrence;

(c) You must be under eighty (80) years of age;

(d) You must not be traveling against or in disregard of the recommendations, established treatment programs, or medical advice of a physician or other healthcare provider;

(e) You must not be traveling with the intent or purpose to seek or obtain treatment for the pre-existing condition;

(f) You must be traveling outside your home country

Such coverage shall be subject to all other policy terms, conditions, and exclusions, including the General Exclusions and the limits set forth in Schedule of Benefits and Limits.

Pre-existing Condition

Pre-existing Condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the two (2) years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.