Exclusions

All medical insurance foreign policies contain exclusions and these will vary from insurer to insurer. It is therefore important to check with the insurance representative to ensure there are no misunderstandings regarding cover.

The most important exclusions however are pre-existing chronic conditions which the client has suffered or had treatment for prior to taking out the policy.

Below is a list of treatments which most commonly appear in the exclusion section in the medical insurance foreign policy conditions and clients will not be covered for unless previously agreed by the insurance company.

• Conditions developed due to misuse of drugs or alcohol
• Experimental or unproven Care
• Fertility treatment or testing
• Plastic and cosmetic surgery
• Treatment of psychological conditions
• Termination of pregnancy unless medically prescribed
• AIDS or HIV related diseases.
• Contraception, including sterilization
• Epidemics that are under the direction of the authorities
• Obesity treatments
• Sexual dysfunction
• Injuries inflicted whilst committing a terrorist act

Do You Offer Plans from Nordic Health Care?
Pacific Prime can provide a range of international health insurance options from the insurance provider Nordic Health Care. In addition to the plans we offer from Nordic, we also offer policies from 60 other leading international insurance companies, giving you the widest range of health insurance options currently available anywhere in the world. 2011-06-20 14:39:06
Category: Coverage , Maternity , Emergency Evacuation , USA , Individual , out-patient	Read Answer Here
Do you cover Cataract Surgery?
All of the in-patient plans offered by Pacific Prime will provide cover for medically necessary surgical procedures. In most cases, while surgical procedures like Cataract removal may not require an overnight stay in a hospital, these types of treatments will usually be covered through the in-patient portion of the plan. We can also provide policies which offer benefits for visual aids, such as glasses and contact lenses. Coverage for this type of benefit is usually obtainable in addition to the purchase of an in-patient policy. 2011-01-05 11:06:18
Category: Coverage , Pre-existing , Individual	Read Answer Here