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Pre-existing Medical Condition:

  1. If you are 59 years of age or under on the effective date:
    Benefits are not payable for costs incurred due to or resulting from your medical condition or related condition that was not stable at any time during the 90 days immediately before the effective date.

  2. If you are 60 to 79 years of age on the effective date:
    1. Benefits are not payable for costs incurred due to or resulting from any of the following pre-existing conditions:
      heart condition;
      stroke or mini-stroke ( TIA- transient ischemic attack).
    2. Benefits are not payable for costs incurred due to or resulting from any pre-existing condition not listed under i) unless it was stable during the 180 days immediately before the effective date.

  3. If you are 80 to 89 years of age on the effective date:
    Benefits are not payable for any pre-existing condition.

Waiting period section of the policy:

Coverage for losses resulting from any sickness will begin 48 hours after the effective date if you purchase your policy:

a) after the expiry date of existing AGA administered policy; or

b) after you exit your country of origin.

Any sickness that manifests itself during the 48-hour waiting period is not covered even if related expenses are incurred after the 48-hour waiting period.



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