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

WAITING PERIOD
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.