Exclusion of benefits: the facts

The following benefits are excluded from insurance coverage:

• 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, that were treated during the last six months prior to the beginning of insurance coverage.
• Treatment of mental disorders and illnesses, hypnosis and psychotherapy.
• 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.