Page 2 - Uninsurable-Preexisting-Conditions
P. 2
Disease or disorder of the heart or circulatory system, heart conditions, heart valve disorders, or blood
clots; including but not limited to:
a. Aneurysm
b. Angina pectoris
c. Arteriosclerosis
d. Atrial fibrillation/flutter
e. Bradycardia
f. Cardiomyopathy
g. Carotid artery disease
h. Cerebrovascular accident
i. Congenital heart disease
j. Congestive heart failure
k. Cor pulmonale
l. Dextrocardia
m. Endocarditis
n. Myocarditis
o. Pericarditis
p. Peripheral atherosclerosis
q. Premature ventricular contractions (PVC)
r. Raynaud’s phenomenon
s. Rheumatic fever
t. Tachycardia
u. Temporal arteritis
v. Tetralogy of fallot
w. Thromboangitis obliterans disease
x. Thromboembolic disease
y. Pulmonary hypertension
z. Diabetes associated with insulin use, excluding gestational diabetes, neuropathy or retinopathy.
aa. High blood pressure for which three or more medications have been taken concurrently.
How Multiple Flexible Choice Policy Affect Policyholder
Here are examples of how multiple Flexible Choice policy purchases affect policyholder benefits.
Joe bought a Critical Choice Cancer policy in 2010 with a benefit amount of $25,000.
A Joe buys a Flexible Choice Cancer base plan for $10,000.
Joe is under the $50,000 benefit amount and does not require Phone Verification.
B. Joe buys a Flexible Choice Heart base plan for $10,000 and a Cancer Rider for the same
amount.
The $10,000 Cancer Rider still contributes to the $100,00 maximum, but the overall benefit total for Cancer
coverage is $35,000, so Joe is below the $50,000 threshold.
clots; including but not limited to:
a. Aneurysm
b. Angina pectoris
c. Arteriosclerosis
d. Atrial fibrillation/flutter
e. Bradycardia
f. Cardiomyopathy
g. Carotid artery disease
h. Cerebrovascular accident
i. Congenital heart disease
j. Congestive heart failure
k. Cor pulmonale
l. Dextrocardia
m. Endocarditis
n. Myocarditis
o. Pericarditis
p. Peripheral atherosclerosis
q. Premature ventricular contractions (PVC)
r. Raynaud’s phenomenon
s. Rheumatic fever
t. Tachycardia
u. Temporal arteritis
v. Tetralogy of fallot
w. Thromboangitis obliterans disease
x. Thromboembolic disease
y. Pulmonary hypertension
z. Diabetes associated with insulin use, excluding gestational diabetes, neuropathy or retinopathy.
aa. High blood pressure for which three or more medications have been taken concurrently.
How Multiple Flexible Choice Policy Affect Policyholder
Here are examples of how multiple Flexible Choice policy purchases affect policyholder benefits.
Joe bought a Critical Choice Cancer policy in 2010 with a benefit amount of $25,000.
A Joe buys a Flexible Choice Cancer base plan for $10,000.
Joe is under the $50,000 benefit amount and does not require Phone Verification.
B. Joe buys a Flexible Choice Heart base plan for $10,000 and a Cancer Rider for the same
amount.
The $10,000 Cancer Rider still contributes to the $100,00 maximum, but the overall benefit total for Cancer
coverage is $35,000, so Joe is below the $50,000 threshold.
