IHI First Choice International health insurance for small and medium sized businesses ( BUPA Group ) / seguros médicos y de viaje / Policy conditions Article 3 Waiting periods in connection with new insurance contracts and extension of cover / worldwide

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IHI First Choice (2007) ( Castellano )

Policy conditions (valid from 1 January 2007)

Article 3. Waiting periods in connection with new insurance contracts and extension of cover

3.1 When a new insurance contract is entered into, the right to reimbursement under the new insurance contract shall only take effect 4 (four) weeks after the commencement date of the insurance. However, this does not apply when the Policyholder can prove simultaneous transference from an equivalent group scheme with another international health insurance company

3.1.1

3.1.2

3.1.3

3.1.4

3.2

INDEX

Product Structure	List of reimbursements
Policy Conditions	Glossary

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Accompanying person (evacuation / repatriation)	Appliances	Application process	Childbirth
Contact lenses	Crisis management	Dental and optical	Diagnostic tests and procedures
Emergency out of area cover	Emergency room treatment	Glasses	Glossary
General practitioner consultations	Home nursing	Hormone replacement therapy eg under 40	Hospice
Hospitalisation and inpatient treatment	Hospital cash benefit	Injections and vaccinations	Local transport by ambulance
Major restorative dental treatment	Medical evacuation	Medical underwriting	Medicine and appliances
modular structure ( 1, 2, 3, 4, 5, 6, )	Newborn cover	Online services	Organ transplant
Outpatient / day case treatment in a hospital or clinic	Outpatient treatment	Payment	Personal Service Team
Policy Conditions	Prescribed arch support	Prescribed hearing aids	Prescribed slings and bandages
Product Structure	regions	Rehabilitation and nursing	Renewal
Repatriation	Routine dental treatment	Security Monitor - Supplementary service	Specialist consultations
Statutory arrangements in case of death eg embalming, zinc coffin, urn	Surgical intervention / outpatient surgical operations	Therapist consultations	Wellbeing University - healthier bottom line performance...

Mandatory module
Module 1	Hospitalisation and inpatient treatment

Optional modules:

Module 2	Outpatient treatment
Module 3	Medicine and appliances
Module 4	Medical evacuation
Module 5	Rehabilitation and nursing

Policy conditions (valid from 1 January 2007)

Art 1. Acceptance of the insurance	Art 2. Commencement date	Art 3. Waiting periods in connection with new insurance contracts and extension of cover	Art 4. Who is covered by the insurance?
Art 5. Where is cover provided?	Art 6. What is covered by the insurance?	Art 7. Module 1. Hospitalisation & inpatient treatment	Art 8. Module 2. Outpatient treatment
Art 9. Module 3. Medicine & appliances	Art 10. Module 4. Medical evacuation	Art 11. Module 5. Rehabilitation & nursing	Art 12. Module 6. Dental & optical
Art 13. Exceptions for reimbursement	Art 14. How to report a claim	Art 15. Cover by third parties	Art 16. Payment of premium
Art 17. Information necessary to the company	Art 18. Assignment, cancellation and expiry	Art 19. Disputes, venue etc

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