Coverage is subject to the deductible and coinsurance. Coverage under this program is secondary to any other insurance.
Coverage is for medically necessary, usual, reasonable and customary charges only.
Charges must be administered or ordered by a physician. Charges must be incurred during the Policy Period or the Benefit Period. Claims must be presented to IMG for payment within the Policy Period, Benefit Period or three months immediately following the policy Period. All Conditions and Exclusions apply to this Coverage. Exclusions A pre-existing condition defined as any injury, physical defect, infirmity, medical condition, or chronic or recurring illness which existed at or during the five years prior to the date of entry of an insured person into this insurance.