Membership guide - International health insurance / medical cover / seguro médico / assurances santé / krankenversicherung / salute / saúde / seguro salud

In order to keep the cost of your subscriptions as low as possible there are some costs and expenses your BUPA International Lifeline membership does not cover. For ease of reference, we have grouped the exclusions under headings. These headings are simply for easy reference and do not form part of the exclusion. If there are any exceptions to the general rule, these are clearly shown. There may be more than one exclusion to a particular condition or treatment, so please read this section carefully.

11. Cosmetic, reconstructive or remedial surgery - including breast reduction or enlargement

We do not pay for treatment undergone for cosmetic or psychological reasons or to improve your appearance, such as a re-modelled nose or facelift, or arising from previous cosmetic treatment.

We do not pay for treatment related to or arising from the removal of non-diseased, or surplus or fat tissue, whether or not it is needed for medical or psychological reasons, such as scar revision or back pain.

We do not pay for breast enlargement or reduction or any other treatment or procedure to change the shape or appearance of your breast(s), for example for backache or gynaecomastia (which is the enlargement of breasts in men).

We also do not pay for treatment to correct or deal with a problem that arises out of any medical treatment or surgery you receive if the costs of that medical treatment or surgery were not covered under the scheme. For example, if you suffer an injury as a result of laser eye surgery to correct short sight.

Exception: We pay for a surgical operation to restore your appearance after an accident, or as a result of surgery for cancer, if either of these takes place during your current continuous membership of the scheme. Payment is made if this part of the original treatment for the accident or cancer and you have obtained our written consent before receiving the treatment. We will only pay for breast reconstruction following cancer if it is carried out within two years of your treatment for cancer.

(España / Spain - Cosmetic surgery - a product not related to BUPA Lifeline insurance)

1. AIDS/HIV	2. Addictive conditions / disorders	3. Ageing, menopause and puberty
4. Allergies / allergic disorders	5. Birth control, conception, sexual problems and sex changes	6. Chronic conditions
7. Complications from excluded or restricted conditions / treatment	8. Congenital and hereditary problems	9. Contamination, wars and riots
10. Convalescence, rehabilitation and general nursing care		12. Deafness
13. Dental / oral treatment (such as fillings, gum disease, jaw shrinkage, etc)	14. Dialysis	15. Donor organs
16. Drugs and dressings for out-patient or take home use	17. Experimental drugs and treatment	18. Eyesight
19. Family doctor treatment	20. Footcare	21. Health hydros, nature cure clinics and similar establishments
22. Hormone Replacement Therapy (HRT) and bone densitometry	23. Learning difficulties, behavioural and developmental problems	24. Obesity
25. Physical aids and devices	26. Pre-existing conditions	27. Pregnancy and childbirth
28. Preventive treatment	29. Self-inflicted injuries	30. Sexually transmitted diseases
31. Sleep disorders	32. Speech disorders	33. Travel costs for treatment
34. Unrecognised consultant, hospital, family doctor, therapist, dental practitioner or complementary medicine practitioner	35. USA / Canada treatment

What is not covered? - Main index...

Introduction
What is covered?
Making a claim
Paying subscriptions and other charges
Important events
General Information
Making a complaint
Glossary
Medical words and phrases

Index

Lifeline:

* provides international private medical insurance for people living or working abroad for at least six months of the year

* for individuals and their families

* three different levels of cover to meet any client's needs:

	Product description (and limits)	Cost	Cost - with option of deductibles
Essential	Essential	Essential	Essential
Classic	Classic	Classic	Classic
Gold	Gold	Gold	Gold

* three areas of cover:

- worldwide including the USA & Canada

- worldwide excluding the USA & Canada

- Hong Kong Worldwide excluding USA and Canada

Exception - Gold cover offers Hong Kong excluding USA.

* optional evacuation cover

* payment of subscriptions - £ sterling, Euro €

- annually

- quarterly

- monthly

Company Scheme ( Castellano Deutsch Français Português )

For more information please contact me:
email	*dmh@e-consultas.com*
Fax:	(00 34) 91 8032484
'phone:	(00 34) 609 522 300
Also more information on..	www.e-healthinsuranceservices.com

BUPA insurance products

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Disclaimer / Aviso

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Valladolid	Vizcaya	Zamora	Zaragoza	Dental insurance policies	Sanitas Health Plan Classic	Sanitas Multi	Sanitas Mundi	Sanitas Health Plan Complete