Pre-Existing Condition shall mean any Disability that a Sharer has reasonable knowledge of, prior to the Eligibility Date. A Sharer may be considered to have reasonable knowledge of the Pre-Existing Condition where the condition is one for which:
the Sharer had received or is receiving Treatment;
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.
Medical Expenses incurred by a Sharer within 5 years from the Eligibility Date as a result of Pre-Existing Conditions (whether directly or indirectly) shall not be eligible for sharing. Upon the inception of the 5 years of continuous participation in this Program and thereafter, the condition may no longer be considered pre-existing.
A Sharer is required to disclose any Pre-Existing Conditions to the Administrator during the signing up process. Failure to fully disclose information pertaining to his Pre-existing Condition at the time of signing up is a material violation of the shared trust between the Sharers and may subject the Sharers to disqualification from the Program pursuant to Section 2.6.
During the Deferred Period, if the Sharer is admitted for hospitalisation or seeks treatment at hospitals on Pre-Existing Conditions, or otherwise is found to possess any Pre-Existing Conditions the said Sharer shall lose his or her eligibility as a Sharer and his or her participation shall be terminated. All deposits of the Sharer shall be forfeited and be used towards crowd sharing of the community.
Medical Expenses incurred and submitted for sharing within the first 90 days of the Eligibility Date may be subject to a Pre-Existing Condition review by the Administrator, including, but not limited to, request for medical notes/records, hospital charts, surgical records, tests results or other relevant medical history information.