Plan A - we will not pay any expenses relating to:

1. a pre-existing condition for which medication has been taken, received or prescribed and/or treatment has been received in the 180 days before the effective date of insurance;
2. any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or
3. any lung condition, if in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

Plan B - we will not pay any expenses relating to:

1. pre-existing condition that is not stable in the 180 days before the effective date of insurance;
2. any heart condition if, in the 180 days before the effective date, you required any form of nitroglycerine for the relief of angina pain; and/or
3. any lung condition if, in the 180 days before the effective date, you required treatment with oxygen or Prednisone for a lung condition.

"Pre-existing condition" is defined in the policy as a medical condition (including accidental bodily injury, illness or disease, symptom(s), complication of pregnancy within the first 31 weeks of pregnancy, a mental or emotional disorder that requires admission to a hospital, or acute psychosis) that exists before your effective date of insurance.

Stable, a medical condition for which:

• There have been no new symptoms, existing symptoms have not become more frequent or more severe, or there have been no test results showing deterioraton; and/or;
• A physician has not determined that the condition has become worse; and/or
• A physician (or other medical professional) has not prescribed or recommended a change in medication taken or medical care received for that condition; and/or
• A physician (or other medical professional) has not prescribed or recommended a change in treatment for that condition; and/or
• It has not required admission to a hospital and/or you are not awaiting the results of further investigation for that medical condition.

Change in medication

"Change in medication" means the medication dosage or frequency has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, Warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.

Other conditions, limitations and exclusions apply.
Please see the policy for details.

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