Medical Access Insurance Premium

It is important to understand what a Pre-Existing Condition is before becoming an MAI Premium policyholder. After reading this information, if you are unsure whether you have a Pre-Existing Condition, please contact us:

PRE-EXISTING CONDITION LIMITATION Benefits for Medical Access Insurance are limited for any Pre-Existing Condition that existed during the 24 months prior to the insured person’s issue date of coverage. Medical Access Insurance coverage is not provided for any Pre-Existing Condition until after the insured person has been continuously insured for 24 months under this policy. This limitation does not apply to a newborn who is insured on the date of birth.

“Pre-Existing Condition” means: a) A condition for which an insured person is given medical care, treatment, services, medication, diagnosis, diagnostic test or consultation prior to the insured person’s effective date of coverage or prior to the effective date of any benefit that is added to existing coverage; or b) A condition which produced symptoms prior to the insured person’s effective date of coverage or prior to the effective date of any benefit that is added to existing coverage. These symptoms must be distinct and significant enough to establish onset or manifestation by one of the following tests: i) The symptoms would allow one learned in medicine to make a diagnosis of the disorder; or ii) The symptoms would cause an ordinarily prudent person to seek medical diagnosis or treatment. This includes, but is not limited to any condition for which the insured person is already on a surgical/procedural waiting list in Canada.

* Certain conditions may apply.