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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.

6. Chronic conditions

We do not pay for treatment of a chronic condition. By this, we mean a disease, illness or injury (including a mental condition) which has at least one of the following characteristics:

* has no known cure, or recurs

* leads to permanent disability

* is caused by changes to your body which cannot be reversed

* requires you to be specially trained or rehabilitated

* needs prolonged supervision, monitoring or treatment.

Exception: We pay for treatment of a disease, illness or injury arising out of a chronic condition, or for treatment of any symptoms of a chronic condition that flare up. However, we will only pay if the treatment is likely to lead quickly to a complete recovery or to you being restored fully to your previous state of health, without you having to continue receiving the treatment. For example, we pay for treatment following from a heart attack arising out of chronic heart disease.

Please read 'Ageing, menopause and puberty' in this section

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
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	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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