回复: 请大家警惕卖保险的，包括旅游和房屋保险！！！
我现在把有关这段看固有的病的policy找出来了：
VTC1 Pre-existing Conditions Exclusion
a) If you are 59 years of age or under on the effective
date:
Benefits are not payable for costs incurred due to or
resulting from your medical condition or related
condition that was not stable at any time during the
stability period.
b) If you are 60 to 79 years of age on the effective date:
i. Benefits are not payable for costs incurred due to or
resulting from any of the following pre-existing
conditions, unless you have completed a Medical
Questionnaire, have been approved in writing by
TIC and have paid the required premium:
• heart condition;
• stroke or mini-stroke (TIA - transient ischemic
attack);
• lung condition;
• artery or vein disorders.
ii. Benefits are not payable for costs incurred due to or
resulting from any pre-existing condition not listed
under i) unless it was stable during the stability
period.
c) If you are 80 to 89 years of age on the effective date:
Benefits are not payable for any pre-existing condition
unless you have completed a Medical Questionnaire,
have been approved in writing by TIC and have paid
the required premium.
