Allianz Worldwide Care
18
Exclusions
b) The following additional exclusions apply to all plans, with the
exception of the
Channel Islands Plan
(this plan has its own additional exclusions listed under point
c) below and on the following page):
40.
Pre-existing conditions
(including any pre-existing chronic conditions) which are indicated on a Special
Conditions Form that is issued prior to policy inception (if relevant) and conditions which have not been
declared on the relevant application form. In addition, conditions arising between completing the relevant
application form and the start date of the policy will equally be deemed to be pre-existing. Such pre-existing
conditions will also be subject to medical underwriting and if not disclosed, they will not be covered.
41.
Speech therapy
related to developmental delay, dyslexia, dyspraxia or expressive language disorder.
42.
Travel costs
to and frommedical facilities (including parking costs) for eligible treatment, except any travel
costs covered under local ambulance, medical evacuation and medical repatriation benefits.
c) The following exclusions apply
solely to our Channel Islands Plan
:
43.
Chronic conditions
, with the exception of short term treatment of acute episodes of a chronic condition,
the aim of which is to return you to the state of health you were in immediately before suffering the
episode, or which leads you to full recovery. We strongly advise you to contact our Helpline to establish the
extent of your cover in your particular circumstances before incurring any treatment costs.
44.
Dental surgery, dental prostheses, periodontics
and
orthodontic treatment
, with the exception of
dental treatment as per definition 1.14.
45.
Human Immuno-deficiency Virus infection, AIDS
or any associated psychiatric condition.
46.
Organ transplant
.
47.
Pre-existing conditions
.
48.
Prescription drugs and dressings
, unless prescribed for use whilst an in-patient or day-patient.
49.
Travel benefit
is not available:
•
For any travel costs which are above normal standard fares.
•
For a parent to accompany a child who is 18 years of age or older.
•
For incidental costs of travel, e.g. hotel accommodation or meals.
•
When costs are covered by the Department of Health.
•
When the treatment is not covered under your plan.
•
When travelling has not been recommended by your consultant.
•
When we have not agreed to all costs of travel prior to the journey.
50.
Travel costs
related to out-patient consultations, except for post-operative consultations that cannot be
carried out locally by a consultant.
51.
Travel costs to another Channel Island, the UK and France for hospital in-patient or day-care
treatment,
if the proposed treatment or any alternative treatment is available locally. However, please note
that medical costs incurred will be refunded within the terms of your policy.
