§ 5 Exclusions
1. The insurer will not pay for:
1.1. Pre-existing conditions: any known or unknown medical conditions which are a consequence of any health disturbance that has or would have had required hospitalization and / or medical treatment and / or medications, and/or has been diagnosed within the one year period immediately prior to the first day of this insurance. The above definition of pre-existing conditions applies also in particular to any kind of chronic illnesses as well as existing dental defects and defective vision.
1.2. Maternity Care, abortions and childbirth.
1.3. All Emergency Medical Evacuation and Repatriation costs.
1.4. Routine medical examinations (including vaccinations, the issue of medical certificates and attestations, and examinations as to suitability for employment or travel).
1.5. Treatment relating to birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions.
1.6. Prostheses, spectacles, contact lenses, hearing aids, bandages and all medical appliances.
1.7. All dental treatment which is not Emergency Dental Treatment and Relief of pain as defined herein, including but not limited to: gnatological, parodontological, endodontical treatments, costs for inlays, crowns, bridges, new dentures and all consequences thereof.
1.8. All Organ Transplantation.
1.9. Tests and treatment relating to infertility and in vitro fertilisation.
1.10. Any contraceptives (pill, spiral, etc.) and all consequences thereof.
1.11. Electric and physical medical treatment: physiotherapy, therapeutic exercises, massages, hydro-therapy and packs, thermo-therapy, electro-therapy and photo-therapy.
1.12. Treatment of mental illness, psychiatric and psychological disorders and all diseases caused by and/or related to mental diseases.
1.13. Elective and / or cosmetic treatments (e.g. removal of warts etc.).
1.14. Tuberculosis, Acquired Immune Deficiency Syndrome ( AIDS ), AIDS- related Complex Syndrome ( ARCS ) and all diseases caused by and/ or related to HIV.
1.15. All tropical diseases, including but not limited to malaria, yellow fever, cholera, dysentery, leprosy.
1.16. Costs resulting from self-inflicted injury, suicide, abuse of alcohol, drug addiction or abuse and treatment of sexually transmitted diseases.
1.17. Treatment by a family member and any auto therapy including prescription of drugs.
1.18. Treatment resulting from active participation in war, riot, civil commotion or any criminal act, including resultant imprisonment.
1.19. Claims and costs for treatment in respect of medical expenses incurred after the expiry date of the Certificate arising from accidental bodily injury, illness or pregnancy occurring during the Certificate period.
1.20. Any benefit, treatment and expenses not particularly covered and specified in the Plan.
2.0. If a medical or any other treatment, which services were agreed upon exceeds the medically necessary extent, the insurer may reduce his payment to an appropriate amount.
1.2. Maternity Care, abortions and childbirth.
1.3. All Emergency Medical Evacuation and Repatriation costs.
1.4. Routine medical examinations (including vaccinations, the issue of medical certificates and attestations, and examinations as to suitability for employment or travel).
1.5. Treatment relating to birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions.
1.6. Prostheses, spectacles, contact lenses, hearing aids, bandages and all medical appliances.
1.7. All dental treatment which is not Emergency Dental Treatment and Relief of pain as defined herein, including but not limited to: gnatological, parodontological, endodontical treatments, costs for inlays, crowns, bridges, new dentures and all consequences thereof.
1.8. All Organ Transplantation.
1.9. Tests and treatment relating to infertility and in vitro fertilisation.
1.10. Any contraceptives (pill, spiral, etc.) and all consequences thereof.
1.11. Electric and physical medical treatment: physiotherapy, therapeutic exercises, massages, hydro-therapy and packs, thermo-therapy, electro-therapy and photo-therapy.
1.12. Treatment of mental illness, psychiatric and psychological disorders and all diseases caused by and/or related to mental diseases.
1.13. Elective and / or cosmetic treatments (e.g. removal of warts etc.).
1.14. Tuberculosis, Acquired Immune Deficiency Syndrome ( AIDS ), AIDS- related Complex Syndrome ( ARCS ) and all diseases caused by and/ or related to HIV.
1.15. All tropical diseases, including but not limited to malaria, yellow fever, cholera, dysentery, leprosy.
1.16. Costs resulting from self-inflicted injury, suicide, abuse of alcohol, drug addiction or abuse and treatment of sexually transmitted diseases.
1.17. Treatment by a family member and any auto therapy including prescription of drugs.
1.18. Treatment resulting from active participation in war, riot, civil commotion or any criminal act, including resultant imprisonment.
1.19. Claims and costs for treatment in respect of medical expenses incurred after the expiry date of the Certificate arising from accidental bodily injury, illness or pregnancy occurring during the Certificate period.
1.20. Any benefit, treatment and expenses not particularly covered and specified in the Plan.
2.0. If a medical or any other treatment, which services were agreed upon exceeds the medically necessary extent, the insurer may reduce his payment to an appropriate amount.
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