6
Your cover for certain types of treatment
Will my policy cover me for preventive treatment?
No, this policy has been designed to provide cover for necessary and active treatment of
disease, illness or injury. Therefore, we do not pay for preventive treatment or for tests to
establish whether a medical condition is present when there are no apparent symptoms.
Please note:
We do not pay for genetic tests, when those tests are undertaken to establish whether or not you
may be genetically disposed to the development of a medical condition.
We will pay for the cost of a vaccination and its administration by a medical practitioner or nurse
as detailed in the benefits table.
What other treatments are not covered?
There are also a number of other treatments (listed below) that your policy does not cover. These
include treatments that may be considered a matter of personal choice (such as cosmetic
treatment) and other treatments that are excluded from cover to keep premiums at an affordable
level.
6.1
We pay for eligible:
(a)
Diagnostic tests (as detailed in the benefits table).
(b)
Vaccinations, including the cost of the vaccine, when they are administered by a medical
practitioner or nurse in their place of practice.
(c)
Initial reconstructive surgery to restore function or appearance after an accident or
following surgery for a medical condition, provided that:
you have been covered under a private medical insurance policy since before the
accident or surgery happened
we agree the cost of the treatment in writing before it is done (see also
).
(d)
Treatment of astigmatism where the astigmatism arises from the surgical replacement of
the lens of the eye (see also
).
(e)
Spinal supports, knees braces or aircast if they are a part of a surgical procedure and/or
integral to the treatment of an eligible medical condition.
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