Opening hours: Monday - Friday 9am to 5.30pm
Like all health insurance plans, there are some things that your membership doesn’t cover. The main exclusions are explained here but a full list can be found in our policy terms and conditions.
Your plan does not Cover |
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Treatment of medical conditions you had, or had symptoms of, before you joined. Any treatment in the Accident & Emergency department stabilised and further management deferred as a planned procedure Treatment of ongoing, recurrent and long-term conditions (chronic conditions). Treatment of Cancer. If you have selected the optional cancer coverage then we will however pay cash benefits as shown above. Kidney dialysis Organ transplant Cosmetic or lifestyle surgery Drug or substance abuse Professional and semi- professional sports Any obesity surgery Self-inflicted injuries Sexually transmitted diseases Congenital or genetic disorders Mental health and behavioural disorders Procedures on children under 2 years. Routine pregnancy and childbirth. Any treatment undertaken outside the United Kingdom (unless agreed in advance) Professional and semi- professional sports Complimentary medicine Dental treatment Experimental or unproven treatment HIV/AIDS Infertility or contraception Prevention and Surveillance – Routine eye care Out-patient drugs, dressings or medical appliances Unauthorised claims, unless pre-approved by us Activities not directly related to your treatment – such as any report writing or provision of certificates |