MPower (7.2003)  
Article Index:
1. MPower (7.2003)
2. Benefits
3. Annual Premium
4. Optional Cover
5. Pre-Existing Conditions
6. Frequently Asked Questions
7. Exclusions
Pre-Existing Conditions
Page 5 of 7
Pre-Existing Conditions shall mean:-

Disabilities that existed before the effective date of Insurance of an Insured Person(s) and for which the Insured Person(s) is receiving treatment or shown manifestations/symptoms irrespective of whether the Insured Person(s) was aware or should have reasonably been aware.

Consultations with a medical practitioner for any sign or pain or discomfort shall constitute a manifestation or symptom of a disability.

Specific Illnesses shall mean the following disabilities and its related conditions, occurring within the first twelve (12) months of Insurance of the Insured Person(s), irrespective of whether the Insured Person(s) was aware or not:

  • Stones in the urinary and biliary systems and cholecystitis
  • Hypertension and diabetes mellitus
  • Cardiovascular disease and varicose veins/deep vein thrombosis
  • Cataracts and pterygium
  • All tumours, cancer, cysts, nodules, polyps, growth and lumps of any kind including malignant blood/leukaemia
  • All ear, nose (including sinuses) and throat (including tonsil and thyroid) conditions requiring surgery
  • Hernias, haemorrhoids, fistulae, hydrocele, varicocele
  • Systemic Lupus Erythematosus/Discoid Lupus Erythematosus, Epilepsy, Gastritis and Peptic Ulcer and Erosion
  • Endometriosis, Adenomyosis, Prolapsed Uterus, Uterine conditions requiring hysterectomy (including disease of the Reproductive System)
  • Prostate conditions requiring surgery
  • Vertebro-spinal disorders (including discs) and knee conditions; not accompanied by fractures but requiring surgery; carpal tunnel syndrome