A: After cover has been in effect for 24 continuous months under a GlobalSelect Basic^SM, Standard^SM or Executive^SM sub-plan (unless we advise otherwise in writing) - an Insured Person is provided with cover up to the annual and life time limits (relevant to his or her chosen sub-plan) for eligible declared and accepted pre-existing medical conditions*.

Please note that no cover exists for pre-existing medical conditions under the GlobalSelect HeadStart^® sub-plan.

This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24 month period. This is important because very few pre-existing conditions remain free from consultation or treatment, and therefore do not typically qualify for any cover at all under most other companies' standard policies.

If you fully disclose a pre-existing medical condition at the time of application, and we accept you into the GlobalSelect plan, you will be covered for eligible charges subject to the limits and terms** of the plan.

*Subject to the terms and conditions of the Policy Wording
**See your Policy Wording for definition of “pre-existing conditions” and a complete list of exclusions and limitations and other specific terms and conditions.