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IHI Critical Illness ( Supplement to your IHI health insurance) (Castellano )
8. Exceptions
8.1 The Insurance shall not cover expenses incurred for any disease, illness or injury known to the policyholder and / or the insured at the time of application.
8.1.1 Illness or injury as a result of a disease established or signs and / or symptoms having appeared within 3 (three) months after the approval of the application shall not be covered.
8.1.2 Serious and critical illnesses not defined in Art 6.1.1 to Art 6.1.11 are not covered by the Insurance.
8.2 Furthermore, the Insurance shall not cover critical illness or disability, which concern, are due to or are incurred as a result of:
a) any Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS)
b) abuse of alcohol, drugs and / or medicines
c) intentional self-inflicted bodily injury
d) 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 services operations ( whether was has been declared or not )
e) nuclear reactions or radioactive fallout
f) deliberate participation in any illegal or criminal act
g) illness or condition where objective signs of the presence of injury or disease cannot be documented by the assessment performed by a medical physician eg where the complaints are of mere subjective character
h) failure to follow medical advice
i) any form of aerial flight other than as a fare-paying passenger on a regular public airline
j) participation in or training for scuba-diving, climbing or mountaineering, any form of racing other than by foot, professional sports or other hazardous pursuits or pastimes.
8.3 Children shall not be covered if a critical illness is caused by intentional injury inflicted by a parent, a legal guardian or policyholder, ir if the injury is instigated by a parent, a legal guardian or policyholder, or in the event of failure by a parent, a legal guardian or policyholder to render assistance, either directly or indirectly.
INDEX
Coverage for 11 critical diagnoses and surgeries
| Coverage for 11 critical diagnoses and surgeries | Insurance sums |
| Policy Conditions | Premium Table ( GBP / USD / EUR / CHF / DKK ) |
| Para pedir una cotización o una aclaración / For a quote or details: | |
| saniprof@mail.ddnet.es / dmh@e-consultas.com | |
| Fax: | (+ 34) 91 8032484 |
| Teléfono / 'phone: | (+ 34) 609 522 300 |
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