pre-existing condition means any medical condition, sickness injury, illness, disease, mental illness or mental nervous disorder, regardless of the cause, including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or within the 180 days (365 days if 70 & older) immediately prior to your effective date whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically includes but is not limited to any medical condition, sickness, injury, illness,disease, mental illness or mental nervous disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 180 days (365 days if 70 & older) immediately preceding your effective date of coverage.
acute onset of a pre-existing condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms and is of short duration, is rapidly progressive, and requires urgent care. The acute onset must occur after the effective date of the policy, and treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered an acute onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to your effective date of coverage.
home country means the country where you have your true, fixed and permanent home and principal establishment.
Note from ROCO: Inbound USA is a visitors insurance for people who are traveling, on vacation, studying, or temporarily residing in the USA. Inbound USA Health Care can be purchased for visitors of the United States who are traveling outside of their home country for a period of 12 months. This type of visitors insurance must be purchased within 12 months of arrival to the USA. If you need more informatin n Inbound USA or Visitors Insurance plese contact us either by e-mail or by phone.
For complete details including exclusion please see the PDF Brochure in the upper right side of this page