Unlike other types of coverage, we do not rate for Healthcare.
If the proposed insured has a pre-existing medical condition, the application may be approved with an exclusion.
The exclusion would apply to all healthcare treatments and medications that the person would need “for the pre-existing condition”.
Example: Exclusion for a spinal cord condition
The person cannot be covered for treatment received from a health professional such as a physiotherapist or chiropractor, or for medications received “for the pre-existing condition”.
However, for another condition, the expenses will be eligible.
