Pre-existing Illnesses shall mean medical conditions that the Insured Person has reasonable knowledge of, except for any conditions, illness or complication arising directly or indirectly from Type 2 Diabetes Mellitus or Pre-Diabetes which was declared and the Company has agreed not to exclude it. An Insured Person may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:
The Insured Person had received or is receiving treatment;
Medical advice, diagnosis, care or treatment has been recommended;
Clear and distinct symptoms are or were evident; or
Its existence would have been apparent to a reasonable person in the circumstances.