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Introduction

This is an Optional Vital Element and is only covered if it is shown on Your Certificate of Insurance. If You want to add this to Your Vital In-patient Plan then please contact Us.

Benefits

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For premiums please refer to the Plan Builder

 

Chronic Conditions

If during the Period of Insurance an Insured Person suffers an Injury or Illness and from the date that Our Medical Advisor considers such Injury or Illness to have become Chronic (as defined), all and any subsequent cover for Chronic episodes of that condition shall be limited to the Policy Limit specified in the Benefits Table for each Chronic condition in each Period of Insurance and the lifetime limit in respect of all necessary and reasonable Treatment costs.

The first onset, or an acute exacerbation of a Chronic condition will be covered under The Vital In-patient Plan, subject to the Policy terms and conditions, to expedite a full recovery or return to previous state of health.

SPECIFIC EXCLUSIONS TO SECTION THE MAJOR ILLNESS PLAN

The cost of Treatment for a Chronic condition which existed prior to the date of entry of an Insured Person under this Policy.

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