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

Is there a Hospital in Surok, Russia?
There are no general hospitals in Surok, Russia. The closest hospitals are located in Yoshkar-Ola, the Capital city of the Republic of Mari El, which is roughly 15 miles (20 kilometers) north of Surok on highway P-175. Pacific Prime cannot attest to the quality of the medical facilities in Yoshkar-Ola, and advises that you obtain a quality international health insurance policy with an emergency evacuation benefit prior to visiting the area. 2009-10-23 17:30:53
Category: Coverage , Hospital , Emergency Evacuation	Read Answer Here
Do you offer Family Health Insurance in Finland?
Pacific Prime can offer Finland health insurance plans for expat families located in Finland, or Finnish families located overseas. We can provide international health insurance that will afford your family with comprehensive hospital cover in addition to various options which can be added to the plan’s coverage for extra medical protection. Pacific Prime will work with you to find the global health insurance plan that best suits you and your family's needs. 2012-02-16 16:12:45
Category: Coverage , Maternity , Pre-existing , Family , Hospital , Emergency Evacuation , in-patient , out-patient , Illness , Disease , Premiums , Treatment , Europe	Read Answer Here