since 2/2000
Commercial Premises insurance - Spain
Community Insurance 'Comunidad' - Spain
dental and medical insurance plans
English insurance agent in Spain
Health and dental insurance - Spain
health insurance Czech Republic
International health, medical and travel insurance cover
international travel insurance
Maritime plan - international health cover (crew only)
Oil and Gas Industry - health insurance
Teachers - international health cover (Spain)
traducciones juradas (sworn translations)
www.e-healthinsuranceservices.com
International Travel Cover - Business travel insurance: ( Castellano )
Cover and benefits (In accordance with the Danish Contracts Act)
INDEX
COVER AND BENEFITS
Policy conditions
Art 14 Exceptions for compensation
14.1 The Company shall not be liable to pay reimbursement for expenses which concern, are due to or are incurred as a result of:
a) death, illness, injury, bodily infirmity or physical disability and consequences hereof which have come into existence, or shown symptoms, before each trip abroad ( cf Art 6.5 )
b) cosmetic surgery and treatment and consequences thereof unless medically prescribed and approved by the Company,
c) recreational treatment,
d) pre-existing diseases of the teeth and dental treatment which is not painstilling and provisional and can await the insured's arrival home,
e) dentures,
f) venereal diseases, AIDS, AIDS-related diseases and diseases relating to HIV antibodies (HIV positive),
g) medical and maternity assistance arising after the 36th week of pregnancy, and after the 18th week when the pregnancy is the result of any kind of fertility treatment and / or the insured is expecting more than one child,
h) induced abortion which is not medically prescribed,
i) abuse of alcohol, drugs and / or medicines,
j) intentional self-inflicted bodily injury,
k) treatment by naturopaths, naturopathic medicines and other alternative methods of treatment,
l) treatment for sickness or injuries directly or indirectly caused while actively engaging in: war, invasion, acts of a foreign enemy, hostilities (whether was 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 service operations (whether was has been declared or not),
m) nuclear reactions or radioactive fallout,
n) treatment performed by the insured, his / her spouse, parents or children or an enterprise owned by one of the aforesaid persons,
o) epidemics which have been placed under the direction of the public authorities,
p) treatment by psychologists, unless prescribed by the treating physician in connection with emergency relief,
q) routine medical check-ups, vaccinations and other preventive treatment,
r) the insured resisting or failing to comply with the medical directions given by the Company's medical consultant and the treating physician,
s) the insured resisting medical evacuation ( cf Art 6.7 ),
t) transportation which has not been arranged by the Company. However, expenses equivalent to the amount which the Company would have reimbursed, if it had been notified of the transportation shall be covered,
u) medical treatment and examinations which can await the insured's arrival home,
v) private room in hospital unless medically prescribed and approved by the Company,
x) any treatment which is not necessary or which is not directly related to the diagnosis covered by the insurance,
y) professional motorsports.
14.2 Expenses incurred during trips of which the Company has not been notified prior to the insured's departure, will not be covered by the insurance.
| Telephone | (+34) 91 8043802 |
| Mobile | (+ 34) 609 522 300 |
| Fax | (+ 34) 91 8032484 |
| saniprof@mail.ddnet.es |