patriot america plus pre existing conditions

Patriot America Plus insurance provides coverage for the acute onset of pre-existing conditions for individuals under the age of 70. This means coverage is limited to sudden, unexpected outbreaks of a condition requiring immediate medical care, not chronic management of a pre-existing illness. Coverage is available up to the policy maximum, with specific sub-limits and restrictions applying. 

What is Covered

• Acute Onset: 

  The plan covers a pre-existing condition that suddenly and unexpectedly becomes acute, requiring immediate and necessary treatment. 

• Age Restriction: 

  This coverage is available to insured persons under the age of 70. 

• Policy Maximum: 

  Coverage for the acute onset of a pre-existing condition is up to the policy maximum specified in the plan. 

• Emergency Evacuation: 

  In cases where an acute onset of a pre-existing condition requires an emergency medical evacuation, the plan provides coverage for this service, up to a maximum of $25,000. 

What is Not Covered

• Chronic Conditions: 

  The plan does not provide coverage for the management or worsening of a chronic pre-existing condition. 

• Conditions Over Age 70: 

  If the insured person is 70 years of age or older, the Patriot America Plus plan does not provide coverage for the acute onset of a pre-existing condition. 

Key Considerations

• Definition: A pre-existing condition is any injury or illness that a person had before the policy's effective date. 
• Urgent Care: The acute onset must require urgent medical care to stabilize the condition. 
• Eligibility: The acute onset must occur within the initial period of coverage. 

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.