If you are insured under the Platinum plan, and your pre-existing conditions have been fully disclosed on your Application and not excluded or restricted by a rider or any other provision of your Certificate, your pre-existing conditions are covered the same as any other Illness or Injury as of your effective date. If you are insured under the Premier plan, your pre-existing conditions are covered up to a lifetime limit of $25,000 after you have been insured continuously for 24 months. Pre-existing conditions include any Injury, Illness or Mental Health disorder that existed at or prior to your initial effective date, including chronic or recurring conditions.