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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 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 8th month (36th week) of pregnancy, and after the 4th month (18th week) when the pregnancy is the result of any kind of fertility treatment and / or the insured is expecting more than one child. Any expenses related to pregnancy and / or delivery, including expenses relating to new-born children, are only covered for a period of up to one month after expiry of the policy period. The cover will then lapse.

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 arrival 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) active participating in any motorsport show, race or competition

z) any illness or injury relating from active engagement in any illegal act.

POLICY CONDITIONS ( Policy Conditions )

Art 1 - Acceptance of the insurance	Art 14 - Delayed baggage
Art 2 - Date of commencement and extensions	Art 15 - Personal liability
Art 3 - Who is covered by the insurance?	Art 16 - Flight delay
Art 4 - Where is cover provided?	Art 17 - Hospital daily benefit
Art 5 - What is covered by the insurance?	Art 18 - Security and legal assistance
Art 6 - Medical expenses	Art 19 - Trip Cancellation Option
Art 7 - Medical evacuation / repatriation	Art 20 - Exceptions for compensation
Art 8 - Evacuation	Art 21 - How to report a claim
Art 9 - Return trip	Art 22 - Cover by third parties
Art 10 - Compassionate Emergency Repatriation	Art 23 - Payment of premium
Art 11 - Next-of-kin Accompaniment and Compassionate Emergency Visit	Art 24 - Necessary information to the Company
Art 12 - Personal accident	Art 25 - Assignment, cancellation and expiry
Art 13 - Baggage	Art 26 - Disputes, venue, etc
	glossary

Single Trip

Annual Travel.

Travel Cover and Benefits

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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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Mainly health plans S.L CIF: B19250372 Inscrito en el Registro Mercantil de Guadalajara: Documento: 1/2007/1.655,0 Diario: 14 Asiento: 779 Tomo 495 Libro: 0 Folio: 71 Hoja: GU-6611.

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