旧病不受保范围（排出条款） Pre-Existing Conditions Exclusions

　　Coverme加拿大居民出境旅游医疗保险保费费率分A、B、C、D四类（Category A, B, C, D），其主要原因依据就是不同分类要求过往旧病已经处于稳定状况的时间不同。Rate category determines the duration of the pre-existing condition exclusion.

Rate Category	Time period	Manulife Financial Travel Insurance will not pay any expenses relating to a...
		Pre-Existing condition	Heart condition	Lung condition
Rate Categories A+ and A	3 months	Not stable in the time period before the effective date of your insurance	In the time period before your effective date, it has not been stable or you required any form of nitroglycerine for the relief of angina pain	In the time period before your effective date, it has not been stable or you required treatment with oxygen or Prednisone for your lung condition
Rate Category B	6 months
Rate Category C	12 months
Rate Category D	3 months	For which you have taken, received or been prescribed medication or treatment in the time period before the effective date of your insurance	In the time period before your effective date you have taken, received or been prescribed medication or treatment or you have taken any form of nitroglycerine for the relief of angina pain	In the time period before your effective date you have taken, received or been prescribed medication or treatment or you required treatment with oxygen or Prednisone for your lung condition

旧病的定义 Pre-Existing Condition：

• "Pre-Existing condition" is defined in the policy booklet as a medical condition that exists before your effective date of insurance.

Medical Condition

"Medical condition" is defined in the policy booklet as an injury, illness or disease; complication of pregnancy within the first thirty-one (31) weeks of pregnancy; a mental or emotional disorder that requires admission to a hospital or acute psychosis

旧病已处于“稳定”的定义是 Stable means a medical condition for which:

There have been no new symptoms, and existing symptoms have not become more frequent or more severe or there have been no test results showing deterioration; and/or

A physician has not determined that the condition has become worse; and/or

A physician (or other medical professional) has not prescribed or recommended a change in medication taken or received for that condition; and/or

A physician (or other medical professional) has not prescribed or recommended a change in treatment for that condition; and/or

There has been no admission to a hospital and/or you are not awaiting results of further investigation for that medical condition.

改变治疗方法的定义是 Change in Medication：

"Change in medication" means the medication dosage or frequency has been reduced, increased, stopped and/or new medication(s) has/have been prescribed. Exceptions: the routine adjustment of Coumadin, Warfarin or insulin (as long as they are not newly prescribed or stopped) and there has been no change in your medical condition; and, a change from a brand name medication to a generic brand medication of the same dosage.

Other conditions, limitations and exclusions apply.
Please see the policy for details.