Pre-Existing Illness shall mean:
Disabilities that existed before the Effective date of Insurance that the Insured Person has reasonable knowledge of. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:
- the Insured Person had received or is receiving treatment;
- medical advice, diagnosis, care or treatment has been recommended;
- clear and distinct symptoms are or were evident; or
- its existence would have been apparent to a reasonable person in the circumstances.
Specified Illnesses shall mean the following disabilities and its related complications occurring within the first 120 days of Insurance of the Insured Person:
- Hypertension, diabetes mellitus and Cardiovascular Disease
- All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system
- All ear, nose (including sinuses) and throat conditions
- Hernias, haemorrhoids, fistulae, hydrocele, varicocele
- Endometriosis including disease of the Reproductive System
- Vertebro-spinal disorders (including disc) and knee conditions
Eligibility for benefits starts 30 days after the Insured has been included in the Policy, except for a covered Accident occurring after the effective date of coverage.