Changes to your Global Health Essential Plan from renewal

No cover is provided if you are admitted to a London area hospital to receive accident an emergency treatment whilst on a temporary trip in a restricted country. Accident and emergency treatment means essential treatment required if you suffer an accident or a sudden and unforeseen illness you have never suffered from before whilst on a temporary trip.

Changing your plan type, area of cover or excess

How up-grading your plan type affects the pregnancy benefit

There is no pregnancy benefit under the Essential Care plan. Complications of pregnancy are covered under the Essential Care Plus plan up to a limit of $5,000 or AED18,350. No other expenses related to pregnancy or childbirth are covered under any Essential plans.

If you upgrade your plan type from Essential Care to Essential Care Plus and you become pregnant within 12 months of the date of your upgrade, you will not be eligible to claim for any expenses related to that pregnancy, irrespective of when the expenses are incurred.

So for example if you upgrade from Essential Care to Essential Care Plus on 1st December 2010 and you become pregnant on 1st November 2011 there will be no cover in respect of any expenses related to a complication of that pregnancy, irrespective of when the expenses are incurred.

Changing your plan currency

Once cover under your plan has commenced, you cannot change your plan currency. If you wish to change your plan currency, you will have to apply for a new Global Health plan and you will be given a new date of entry. The pre-existing condition exclusion will apply from your date of entry to your new plan, and any waiting periods will start from your new date of entry.

Completing your Global Health Elite application form

Once your Global Health application has been submitted to us it will become our property and cannot be returned.

Settling your claim

All documents submitted in relation to your claim will become our property immediately upon settlement of your claim and the original documents cannot be returned.

Alternative treatments and therapies

The exclusion has been amended to make it clear that we do not pay for naturotherapy, AIS Stretch Therapy, mesotherapy, craniosacral therapy or Ayervedic medicine.

Failure to follow medical advice

We do not pay for treatment arising from or related to your unreasonable failure to seek or follow medical advice and/or prescribed treatment, or your unreasonable delay in seeking or following such medical advice and/or prescribed treatment. We do not pay for complications arising from ignoring such advice.

Foot care

The exclusion has been amended to make it clear that we do not pay for chiropody.

Infertility, IVF and assisted reproduction

The exclusion has been amended to make it clear that there is no cover for complications of pregnancy arising from a pregnancy established through assisted reproduction until after the 12-week scan, irrespective of how long you have been covered by the plan.

Genetic testing and/or genetic engineering

We do not pay for genetic testing and/or genetic engineering.

Nasal septum deviation

We do not pay for the treatment of nasal septum deviation.

Pregnancy

The exclusion has been amended to make it clear that there is no cover for complications of pregnancy arising from a pregnancy established through assisted reproduction until after the 12-week scan, irrespective of how long you have been covered by the plan.

Also, that there is no cover for treatment received due to complications of pregnancy if you act as a surrogate or have anyone else acting as a surrogate for you.

Suicide

We do not pay for repatriation or burial of mortal remains if you commit suicide.

Tourette’s Syndrome

We do not pay for the testing or treatment of Tourette’s Syndrome.

Vitamins, dietary supplements and natural substances

The exclusion has been amended to make it clear that we do not pay for vitamins, dietary supplements and substances which are available naturally and that can be purchased without prescription including, but not limited to, vitamins, minerals and organic substances.