Eligible Expenses arising from Pre-existing Condition(s) that the Policy Holder and/or Insured Person was not aware of and would not reasonably have been aware of at the time of submission of application, including any updates of and changes to the required information (if so requested by the Company under Section 8 of Part 1), shall be payable in accordance with these Terms and Benefits, subject to the following waiting period and reimbursement arrangement –
First Policy Year - no coverage
Second Policy Year - 25% reimbursement
Third Policy Year - 50% reimbursement
Fourth Policy Year onwards - full coverage
