Insurance for Schengen visa area - Exceptions for compensation ( BUPA Group )

a) any illness, injury, bodily infirmity or physical disability and consequences hereof which have come into existence, or shown symptoms before each trip abroad ( see also Art 6.4 )

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,

e) dentures,

f) venereal diseases, ADS, AIDS-related diseases and diseases relating to HIV antibodies (HIV positive),

g) medical and maternity assistance arising after the 8th month (36th week) of pregnancy, and after the 4th month (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 war 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),

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 preventative treatment,

r) the insured resisting or failing to comply with the medical directions given by the Company's specialist doctors and the treating physician,

s) the insured resisting medical evacuation ( see also Art 6.6 ), treatment,

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.

INDEX

1 - Acceptance of the insurance
2 - Commencement date	9 - How to report a claim
3 - Who is covered by the insurance?	10 - Cover by third parties
4 - Where is cover provided?	11 - Payment of premium
5 - What is covered by the insurance?	12 - Necessary information to the company
6 - Medical expenses	13 - Assignment, cancellation and expiry
7 - Medical evacuation	14 - Disputes, venue, etc

Choice of cover

You can choose between 2 different options, depending on how long you are staying in the Schengen area:

Schengen visa area - trips up to a maximum of 1 month

Schengen visa area - trips up to 3 months (within a 6 month period)

The benefits are the same for both options, only the period of cover and the premiums vary (click here to see the table of benefits).

Travel insurance for business trips (for all employees including board members, travelling spouses, children and guests for a combined company total of over 200 days a year)

Travel insurance for individuals travelling for pleasure, studies or business trips

Seguro de viaje para los negocios (la compañía decide quién puede ser cubierto, incluyendo los miembros del consejo directivo, esposas, hijos y invitados - con un mínimo global para toda la compañía de 200 días al año)

Seguro de viaje - particulares con cobertura mundial para todo tipo de viajes: de placer, de estudios o de negocios

Telephone	(+34) 91 8043802
Mobile	(+ 34) 609 522 300
Fax	(+ 34) 91 8032484
email	*saniprof@mail.ddnet.es*

Travel insurance for entry into the Schengen visa area... 15 countries;

Austria	Belgium	Denmark
Finland	France	Germany
Greece	Iceland	Italy
Luxembourg	Netherlands	Norway
Portugal	Spain	Sweden

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Disclaimer / Aviso

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