Pre-Existing Illnesses Not Covered During Kaiser Accumulation Period

The first 5 years of payment is what we called Accumulation period in Kaiser Long Term Health Care Program. During this period the following sickness is not covered by Kaiser.

For all Pre-existing Illnesses as mentioned below. Planholder shall not be covered during accumulation period. However,  all pre-existing illnesses are covered during the extended period, long-term care period and extended benefit balance period which can be charged to the annual health benefits, total health benefits and annual lifetime healthcare benefits respectively.

Pre-existing Illnesses Not covered during Accumulation Period

  • Acquired Hernias
  • Asthma
  • Arthritis
  • Benign Tumors (ovarian new growth, myoma, cyst, polyps)
  • Bronchial Asthma
  • Buerger’s Disease
  • Cancer (all types)
  • Cardiovascular Disease(Coronary/Valvular/Hypertensive Heart Disease / Cardiomyopathy)
  • Cataracts/Glaucoma
  • Central nervous system lesions (poliomyelitis/Meningitis/ Encephalitis/Neurosurgical conditions)
  • Cerebro-vascular Accident (stroke)
  • Chronic Cholecystitis/Cholelithiasis (gall bladder stones)
  • Chronic Gastrointestinal Tract Disease requiring bowel resection and/or anastomosis
  • Chronic Kidney/Urological disease (Urolithiasis, Obstructive Uropathies, etc.)
  • Chronic Obstructive Pulmonary Disease (Chronic Bronchitis/Emphysema), Restrictive lung disease
  • Collagen diseases (Rheumatoid Arthritis, Systemic Lupus Erythematosus)
  • Diabetes Mellitus and its complications
  • ENT conditions requiring surgery
  • Gastric/duodenal or peptic ulcers
  • Goiter (Hypo/Hyperthyroidism
  • Hemorrhoids and Anal Fistulae
  • Hypertension
  • Liver Parenchyma Disease[Cirrhosis, Hepatitis (except type A), New Growth]
  • Malignancies and Blood Dyscrasias (Cancer, Leukemia, Idiopathic Thrombocytopenic Purpura)
  • Migraine headache
  • Prostate disorders
  • Schistosomiasis
  • Tuberculosis
  • Uterine Myoma, Ovarian cysts, Endometriosis
  • Varicose Veins

(automatic exclusion from waiver benefits)

  • Congenital Disease (all types)
  • Maternity related cases
  • Dermatological care for aesthetic (electrocautery, skin tags, xanthelasma, milia, keloids, scars)
  • Psoriasis / Vitiligo Guillian Barre Syndrome
  • Multiple Sclerosis Demyelinating disease
  • Parkinson’s disease
  • Alzheimer’s Disease
  • Myasthenia Gravis
  • Epilepsy
  • Seizure Disorder
  • Atoimmune Neurological Disease
  • Corrective Eye surgery for myopia / hypermyopia
  • Slip disc
  • Herniated disc
  • Ostesoclerosis
  • Oeteoporosis scoliosis spinal stenosis spondylosis
  • Rehabilitation treatment, physical, speech, occupational and hormonal therapies
  • Infertility or fertility and virility/ potency (erectile dysfunction)
  • Open heart surgeries
  • Angioplasties
  • Valvulaplasties
  • Permanent pacemaker insertion
  • Intra coronary thrombolysis
  • Balloon valvulaplasties
  • Transvenous endocryocardial biopsy
  • Percutaneous intraaortic
  • Balloon pump insertion
  • Balloon atrial septostomy
  • Previous craniotomy sequelae
  • Organ transplantation and complication and other surgeries related to the heart
  • Psychiatric and psychological illnesses including neurotic and psychotic behavior disorders
  • Development disorders
  • Metabolic diseases
  • Sleep and eating disorders
  • Sexually transmitted diseases such as AIDS, Hepatitis B, condyloma, gonorrhea, syphilis, herpes
  • Circumcision, except for correction of Phimosis
  • Diagnosis of unknown etiology or the absence of any organic dysfunction