Insurance Exclusions - Individual Medical Insurance

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Worldwide medical insurance plans, for both group and individual medical insurance, often have certain exclusions that they will not reimburse costs for. The standard exclusions for worldwide medical insurance generally include any pre-existing conditions a policyholder may have. It is advisable to speak to a worldwide group and individual medical insurance broker to check what may be excluded in your particular case. Our expert medical consultants are available to answer any questions and give impartial advice on the best policy for you.

You can contact us by email or telephone and we will endeavor to get back to you as soon as posible.


Worldwide medical insurance policies will generally not cover any expenses for any disease, illness or injury known to the policyholder and/or the insured at the time of application, unless previously agreed with the insurance company.

The insured will not be reimbursed for any costs incurred as a result of:

  • Cosmetic surgery or treatment (unless previously approved by the insurer)
  • Obesity surgery e.g. gastric bypass surgery
  • AIDS or HIV related diseases. These will be covered however; if it is proven that the condition was contracted due to a blood transfusion after commencement of the insurance, or as a result of an accident during the course of your normal occupation.
  • Conditions contracted due to the abuse of alcohol, drugs or medicines will not be covered in any case.
  • Any intentionally self-inflicted bodily injuries.
  • Conditions arising due to contraception, including sterilization.
  • Induced abortion unless medically prescribed.
  • Any fertility related treatment including fertility testing.
  • Induced abortion unless medically prescribed.
  • Any kind of fertility testing or treatment, including hormone treatment or examinations and any related procedures.
  • Treatment of sexual dysfunction.
  • Any kind of care which is experimental, not part of a medical or surgical treatment, including stays in nursing homes.
  • Treatment by naturopaths or homeopaths and naturopathic or homeopathic medications and other alternative methods of treatment. Unless stated in the specific insurer’s list of reimbursements.
  • Health certificates.
  • Treatment of diseases during military service.
  • Treatment for sickness or injuries directly or indirectly caused while actively engaging in: war, invasion, acts of a foreign enemy, hostilities (whether war has been declared or not), civil war, terrorist acts, rebellion, revolution, insurrection, civil commotion, military or usurped power, martial law, riots or the acts of any lawfully constituted authority, or army, naval or air services operations whether war has been declared or not.
  • Nuclear reactions or radioactive fallout.
  • Treatment performed by the insured, his/her spouse, parents or children or an enterprise owned by one of the aforementioned persons.
  • Epidemics which have been placed under the direction of public authorities.
  • Treatment by a psychologist

Please contact one of our group and individual medical insurance consultants for further information on what your worldwide medical insurance policy covers or for a personalised quote.