The pre-existing conditions are not covered by EK Medical.
Therefore Baymac stepped in and offered the product as a "stand alone" health cover which accepts those as long you buy membership and have a valid medical/flying status at the time of enrolling.
Blaming people for increasing premiums because they dared treating their pre-existing sickness leaves me speechless
Their main sales pitch was that.
These are the first few few extract from the brochure
1. This program provides comprehensive medical coverage on a worldwide basis, allowing insured’s to seek treatment anywhere in the word.
2. Provides 5 million USD lifetime limit in healthcare benefits.
3. No medical underwriting or medical tests required for pilots less than 63 years of age.
4. Coverage for professional pilots and their families, children covered free until age 19 with student rates available to 23 years of age.
5. Select your doctor; the plan does not limit you to any particular doctor or practitioner.
6. Pre-existing*, Hereditary, Maternity, Chronic and Congenital conditions covered. Routine eye examinations and replacement lens covered.
....
27. Is the GlobalCare Plan a top-up plan or does it stand alone as a primary plan?
The GlobalCare Pilots Plan works as a primary plan if the member has no other health insurance, and as a secondary plan if the member has other health insurance coverage. Whatever is not covered by the member's primary will be covered by the GlobalCare Pilots Plan to the limits of the Plan.
Increasing overall premium for people being sick and submitting the claims is downright illegal in most of the regulated countries.
It should be controlled trough deductibles, so they claim
32. What is the US$250 deductible? Is this per claim or per year?
The US$250 deductible is the amount each policyholder must pay per year (not per claim) on their medical costs before claiming on the policy. This is limited to $750 per family.
Some benefits do not require the policyholder to pay a deductible, e.g. annual check-up and lens replacements etc. If there is a claim for $300, the member will pay the first $250 and claim for the remainder. If there is a subsequent claim in the same policy year for $800, the member can claim the full $800.
Baymac always prided itself on those presentations, how they are different from Aetna as they have no requirement from EK medial department to cover their clients.
As for being simple, well why don't you contact me via PM and we can settle that man to man