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What is considered an Acute Onset of Pre-existing Condition?

What is considered an Acute Onset of Pre-existing Condition?

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A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs:

1. spontaneously and without advance warning in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires immediate Emergency medical care; and

2. after your Certificate Effective Date; and

3. prior to the age indicated in the Schedule of Benefits and Limits contained in your Certificate. Treatment by a Physician must be obtained within the 24 hours beginning on the date and at the time of the sudden and unexpected outbreak or recurrence.