Membership guide - International health insurance / medical cover / assurances santé / seguro médico / 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.

26. Pre-existing conditions

We do not pay for treatment for a pre-existing condition, and any related symptoms, or a condition which results from or is related to a pre-existing condition.

Exception: We will pay for the cost of treatment of a pre-existing condition, or a condition which results from or it related to a pre-existing condition, if you meet all of the following:

* you gave us all the information we asked you for, before we sent you the first membership certificate for your current continuous period of membership which lists the person with the pre-existing condition

* neither you nor the member with the pre-existing condition knew about it or any related symptoms before the 'effective from' date or the 'issue date', whichever is the latter date, on that membership certificate

* we did not specifically exclude cover for the costs of treatment, when we sent you the membership certificate or before we sent it.

We are always willing, at your renewal date, to review a special condition applied to your membership. We will do this if in our opinion no treatment is likely to be needed in the future directly or indirectly relating to the disease, illness or injury covered by the special condition or for a related disease, illness or injury. If you would like us to consider such a review, please contact us prior to your renewal date. We must receive a medical report from your family doctor or consultant giving full, current clinical details before we can give our decision. Please note we do not pay any costs for or related to your doctor or consultant supplying us with such medical reports.

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	11. Cosmetic, reconstructive or remedial surgery - including breast reduction or enlargement	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		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?
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Paying subscriptions and other charges
Important events
General Information
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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