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Principal
exclusions
There are
some costs and expenses the Global Health Elite plan does not cover:
§
Pre-existing conditions.
We do not pay for the treatment of any
medical condition or related medical condition which existed, or which
ever required treatment, medication or advice from a medical doctor or
medical practitioner or specialist or which was diagnosed, or for which
the symptoms first appeared, prior to your date of entry to the Global
Health plan, or any medical condition that you knew about, or should
reasonably have known existed, whether or not you had consulted a doctor,
at your date of entry to the Global Health plan.
§
Addictive conditions/disorders and alcohol, drug and solvent abuse.
§
Birth control, infertility, assisted
reproduction, sexual problems and sex changes.
§
Birth defects and congenital conditions
(although there is limited cover for the first 28 days of life, provided
the mother has been insured under a Gold or Platinum plan for a continuous
period of 12 months at the time of birth)
§
Bone Marrow Transplants, Organ transplants
and stem cell harvesting
§
Chronic conditions
We will pay for the
treatment of an acute exacerbation of a chronic condition that is not a
pre-existing condition.
If you are insured under the Elite Silver Plan we will
pay for consultations, tests and prescribed medication required to monitor
and maintain the stability of a chronic condition up to £500 or US$800 or
€750 per annual period of cover.
If you are insured under
the Elite Gold Plan we will pay for consultations, tests
and prescribed medication required to monitor and maintain the stability
of a chronic condition up to £1,000 or US$1,600 or €1,500 per annual
period of cover.
If you are insured under
the Elite Platinum Plan we will pay for consultations,
tests and prescribed medication required to monitor and maintain the
stability of a chronic condition subject to a life-time benefit limit for
all chronic conditions of £50,000 or US$80,000 or
€75,000.
§
Convalescence and rehabilitation
§
Cosmetic surgery
§
Dental treatment
(although there is limited cover for dental treatment under the Gold and
Platinum plans)
§
HIV Aids
§
Long-term kidney dialysis
§
Pregnancy
(although there is limited cover for pregnancy under the Gold and Platinum
plans, and limited cover for in-patient treatment for complications of
pregnancy after 12 months continuous cover under all plans)
§
Illness or injury caused by professional
sports and racing
§
Psychiatric conditions
(although there is limited cover after 24 months continuous cover)
§
Routine preventive health checks and
vaccinations
(although there is limited cover
under the Silver, Gold and Platinum plans after 12 months continuous
cover)
§
Sexually transmitted diseases
§
Active participation in war and terrorism
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