{"id":103,"date":"2013-04-15T11:56:59","date_gmt":"2013-04-15T11:56:59","guid":{"rendered":"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/?p=103"},"modified":"2013-04-15T11:56:59","modified_gmt":"2013-04-15T11:56:59","slug":"pre-existing-illnesses-not-covered-during-kaiser-accumulation-period","status":"publish","type":"post","link":"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/kaiser-faq\/pre-existing-illnesses-not-covered-during-kaiser-accumulation-period\/103\/","title":{"rendered":"Pre-Existing Illnesses Not Covered During Kaiser Accumulation Period"},"content":{"rendered":"<p>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.<\/p>\n<p><em>For all Pre-existing Illnesses as mentioned below.<b>\u00a0Planholder shall not be covered during accumulation period. <\/b>However,\u00a0 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.<\/em><\/p>\n<p><b>Pre-existing Illnesses Not covered during Accumulation Period<\/b><\/p>\n<ul>\n<li>Acquired Hernias<\/li>\n<li>Asthma<\/li>\n<li>Arthritis<\/li>\n<li>Benign Tumors (ovarian new growth, myoma, cyst, polyps)<\/li>\n<li>Bronchial Asthma<\/li>\n<li>Buerger\u2019s Disease<\/li>\n<li>Cancer (all types)<\/li>\n<li>Cardiovascular Disease(Coronary\/Valvular\/Hypertensive Heart Disease \/ Cardiomyopathy)<\/li>\n<li>Cataracts\/Glaucoma<\/li>\n<li>Central nervous system lesions (poliomyelitis\/Meningitis\/ Encephalitis\/Neurosurgical conditions)<\/li>\n<li>Cerebro-vascular Accident (stroke)<\/li>\n<li>Chronic Cholecystitis\/Cholelithiasis (gall bladder stones)<\/li>\n<li>Chronic Gastrointestinal Tract Disease requiring bowel resection and\/or anastomosis<\/li>\n<li>Chronic Kidney\/Urological disease (Urolithiasis, Obstructive Uropathies, etc.)<\/li>\n<li>Chronic Obstructive Pulmonary Disease (Chronic Bronchitis\/Emphysema), Restrictive lung disease<\/li>\n<li>Collagen diseases (Rheumatoid Arthritis, Systemic Lupus Erythematosus)<\/li>\n<li>Diabetes Mellitus and its complications<\/li>\n<li>ENT conditions requiring surgery<\/li>\n<li>Gastric\/duodenal or peptic ulcers<\/li>\n<li>Goiter (Hypo\/Hyperthyroidism<\/li>\n<li>Hemorrhoids and Anal Fistulae<\/li>\n<li>Hypertension<\/li>\n<li>Liver Parenchyma Disease[Cirrhosis, Hepatitis (except type A), New Growth]<\/li>\n<li>Malignancies and Blood Dyscrasias (Cancer, Leukemia, Idiopathic Thrombocytopenic Purpura)<\/li>\n<li>Migraine headache<\/li>\n<li>Prostate disorders<\/li>\n<li>Schistosomiasis<\/li>\n<li>Tuberculosis<\/li>\n<li>Uterine Myoma, Ovarian cysts, Endometriosis<\/li>\n<li>Varicose Veins<\/li>\n<\/ul>\n<p>(automatic exclusion from waiver benefits)<\/p>\n<ul>\n<li>Congenital Disease (all types)<\/li>\n<li>Maternity related cases<\/li>\n<li>Dermatological care for aesthetic (electrocautery, skin tags, xanthelasma, milia, keloids, scars)<\/li>\n<li>Psoriasis \/ Vitiligo Guillian Barre Syndrome<\/li>\n<li>Multiple Sclerosis Demyelinating disease<\/li>\n<li>Parkinson&#8217;s disease<\/li>\n<li>Alzheimer&#8217;s Disease<\/li>\n<li>Myasthenia Gravis<\/li>\n<li>Epilepsy<\/li>\n<li>Seizure Disorder<\/li>\n<li>Atoimmune Neurological Disease<\/li>\n<li>Corrective Eye surgery for myopia \/ hypermyopia<\/li>\n<li>Slip disc<\/li>\n<li>Herniated disc<\/li>\n<li>Ostesoclerosis<\/li>\n<li>Oeteoporosis scoliosis spinal stenosis spondylosis<\/li>\n<li>Rehabilitation treatment, physical, speech, occupational and hormonal therapies<\/li>\n<li>Infertility or fertility and virility\/ potency (erectile dysfunction)<\/li>\n<li>Open heart surgeries<\/li>\n<li>Angioplasties<\/li>\n<li>Valvulaplasties<\/li>\n<li>Permanent pacemaker insertion<\/li>\n<li>Intra coronary thrombolysis<\/li>\n<li>Balloon valvulaplasties<\/li>\n<li>Transvenous endocryocardial biopsy<\/li>\n<li>Percutaneous intraaortic<\/li>\n<li>Balloon pump insertion<\/li>\n<li>Balloon atrial septostomy<\/li>\n<li>Previous craniotomy sequelae<\/li>\n<li>Organ transplantation and complication and other surgeries related to the heart<\/li>\n<li>Psychiatric and psychological illnesses including neurotic and psychotic behavior disorders<\/li>\n<li>Development disorders<\/li>\n<li>Metabolic diseases<\/li>\n<li>Sleep and eating disorders<\/li>\n<li>Sexually transmitted diseases such as AIDS, Hepatitis B, condyloma, gonorrhea, syphilis, herpes<\/li>\n<li>Circumcision, except for correction of Phimosis<\/li>\n<li>Diagnosis of unknown etiology or the absence of any organic dysfunction<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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.\u00a0Planholder shall not be &hellip; <a href=\"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/kaiser-faq\/pre-existing-illnesses-not-covered-during-kaiser-accumulation-period\/103\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[44,59,58],"class_list":["post-103","post","type-post","status-publish","format-standard","hentry","category-kaiser-faq","tag-kaiser","tag-kaiser-long-term-health-care","tag-pre-existing-illnesses"],"_links":{"self":[{"href":"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/wp-json\/wp\/v2\/posts\/103","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/wp-json\/wp\/v2\/comments?post=103"}],"version-history":[{"count":1,"href":"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/wp-json\/wp\/v2\/posts\/103\/revisions"}],"predecessor-version":[{"id":104,"href":"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/wp-json\/wp\/v2\/posts\/103\/revisions\/104"}],"wp:attachment":[{"href":"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/wp-json\/wp\/v2\/media?parent=103"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/wp-json\/wp\/v2\/categories?post=103"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.pinoyinvestmentguide.com\/imgtrm\/wp-json\/wp\/v2\/tags?post=103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}