Exceptions for compensation. IHI Travel insurance - for leisure, study or business ( single trip or annual cover ) BUPA Group

a) any illness, injury, bodily infirmity or physical disability and consequences hereof which have come into existence, or shown symptoms, before the insurance became effective or, if IHI Annual Travel has been chosen, before each trip abroad ( cf Art 6.5 )

b) cosmetic surgery and treatment and consequences thereof unless medically prescribed and approved by the Company,

c) recreational treatment,

d) pre-existing diseases of the teeth and dental treatment which is not pain-stilling and provisional and can await the insured's arrival home,

e) dentures

f) venereal diseases, AIDS, AIDS-related diseases and diseases relating to HIV antibodies (HIV positive),

g) medical and maternity assistance arising after the 36th week of pregnancy, and after the 18th week when the pregnancy is the result of any kind of fertility treatment and / or the insured is expecting more than one child,

h) induced abortion which is not medically prescribed,

i) abuse of alcohol, drugs and / or medicines,

j) intentional self-inflicted bodily injury,

k) treatment by naturopaths, naturopathetic medicines and other alternative methods of treatment,

l) treatment for sickness or injuries directly or indirectly caused while actively engaging in:

war, invasion, acts of a foreign enemy, hostilities (whether war has been declared or not), civil war, terrorist acts, rebellion, revolution, insurrection, civil commotion, military or usurped power, martial law, riots or the acts of any lawfully constituted authority, or army, naval or air service operations (whether war has been declared or not),

m) nuclear reactions or radioactive fallout,

n) treatment performed by the insured, his / her spouse, parents or children or an enterprise owned by one of the aforesaid persons,

o) epidemics which have been placed under the direction of the public authorities,

p) treatment by psychologists, unless prescribed by the treating physician in connection with emergency relief,

q) routine medical check-ups, vaccinations and other preventative treatment,

r) the insured resisting or failing to comply with the medical directions given by the Company's medical consultant and the treating physician,

s) the insured resisting medical evacuation ( cf Art 6.7 )

t) transportation which has not been arranged by the Company. However, expenses equivalent to the amount which the Company would have reimbursed if it had been notified of the transportation shall be covered,

u) medical treatment and examinations which can await the insured's arrivel home,

v) private room in hospital unless medically prescribed and approved by the Company,

x) any treatment which is not necessary or which is not directly related to the diagnosis covered by the insurance,

y) professional motorsports.

Art 1 - Acceptance of the insurance	Art 10 - Next-of-kin Accompaniment and Compassionate Emergency Visit
Art 2 - Date of commencement and extensions
Art 3 - Who is covered by the insurance?	Art 12 - How to report a claim
Art 4 - Where is cover provided?	Art 13 - Cover by third parties
Art 5 - What is covered by the insurance?	Art 14 - Payment of premium
Art 6 - Medical expenses	Art 15 - Necessary information to the Company
Art 7 - Medical evacuation	Art 16 - Assignment, cancellation and expiry
Art 8 - Return trip	Art 17 - Disputes, venue, etc
Art 9 - Compassionate Emergency Repatriation

IHI Single Trip

IHI Annual Travel.

IHI Travel Cover and Benefits

Return to IHI travel insurance information...

Telephone	(+34) 91 8043802
Mobile	(+ 34) 609 522 300
Fax	(+ 34) 91 8032484
email	saniprof@mail.ddnet.es

BUPA Travel insurance

Travel insurance for business trips (for all employees including board members, travelling spouses, children and guests for a combined company total of over 200 days a year)

Travel insurance within the Schengen area (eg for people applying for an entry visa to the Schengen area with an insured amount of at least 30,000 euros)

Seguro de viaje para los negocios (la compañía decide quién puede ser cubierto, incluyendo los miembros del consejo directivo, esposas, hijos y invitados - con un mínimo global para toda la compañía de 200 días al año)

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