Exclusion of benefits – the facts

No insurance cover is provided for damages:

• intentionally caused by the insured person;
• caused by the insured person as a result of an intentional criminal act or the intentional attempt of committing a criminal act.

Health insurance does not cover:

• Any pre-existing illnesses, diseases, disorders and their consequences that the insured person already had and suffered from at the beginning of insurance coverage. Furthermore, any consequences of such illnesses, diseases, disorders and of accidents which were treated during the last six months prior to the beginning of insurance coverage.
• Psychoanalysis, psychotherapy and hypnosis.
• Dental treatment that goes beyond treatment for pain relief as well as prophylactic dental treatment including plaque removal, except for the benefits described in benefits in detail.
• Dentures including dental crowns, inlays and onlays, except for the benefits described in benefits in detail.
• Orthodontics.
• Medical appliances (such as glasses, shoe lifts, bandages, trusses, etc.), except for the benefits described in benefits in detail.
• Pregnancies that were conceived prior to the beginning of insurance coverage.
• Preventive medical examinations and check-ups, except for the benefits described in benefits in detail.
• Examinations carried out in order to obtain a residence permit.
• Treatment in case of acne and hair loss of as well as measures for the removal of birthmarks and warts.
• Treatment of the eyes carried out due to ametropia, including visual acuity determination.
• Treatment in case of sterility/infertility (in vitro fertilization).
• Plastic surgery.
• Treatment for HIV infection.
• Certificates and expert opinions.
• Medical treatment by the host family. Material costs will be reimbursed.
• Medical costs if an illness is treated twice.

You will find the detailed benefits and exclusion of benefits in the General Insurance Conditions (German).

Liability insurance does not cover:

• Damage caused by the use of a motor vehicle is not insured. This includes both personal injury and damage to property.
• Damages caused by the exchange, transmission or provision of electronic data.

You will find the detailed terms and conditions in the Liability Insurance Conditions (German).

Accident insurance does not cover:

• Accidents caused directly or indirectly by nuclear power.
• Accidents as a result of mental illness or cognitive disorders.
• Accidents caused directly or indirectly by foreseeable acts of war.

You will find the detailed terms and conditions in the Accident Insurance Conditions (German).