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