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. A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that existed at the time of application or at any time during the five years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.