Corporate medical insurance - what's not covered

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    • Our corporate international health plans are designed to cover treatment of medical conditions that respond quickly to treatment - known as acute conditions. So like most health insurance policies, there are a number of exclusions and limitations on the plans. A summary of these is listed below.

      Not included:

    • Expand the level of cover to see the exclusions and limitations for that plan.

      Standard
      • Any medical conditions the employee had (or had symptoms of) before joining - unless you choose to have their medical history ignored
      • Ongoing, recurrent or long-term illnesses (known as chronic conditions)
      • Sport injuries - if the injuries result from playing sport professionally or from an activity that we do not cover
      • Treatment outside the employee's area of cover or if they travel against medical advice
      • Cosmetic dental treatment and dental treatment needed because of neglect
      • Dental check-ups, scale and polish
      • Physiotherapy, consultations, psychiatric treatment and complementary practitioner treatment as an out-patient (unless you choose the out-patient option)
      • Routine pregnancy and childbirth
      Comprehensive
      • Any medical conditions the employee had (or had symptoms of) before joining - unless you choose to have their medical history ignored
      • Sport injuries - if the injuries result from playing sport professionally or from an activity that we do not cover
      • Treatment outside the employee's area of cover or if they travel against medical advice
      • Cosmetic dental treatment and dental treatment needed because of neglect
      • Dental check-ups, scale and polish (unless you choose the Dental Care option)
      • Routine pregnancy and childbirth (unless you choose the Routine Pregnancy option)
      Prestige
      • Any medical conditions the employee had (or had symptoms of) before joining - unless you choose to have their medical history ignored
      • Sport injuries - if the injuries result from playing sport professionally or from an activity that we do not cover
      • Treatment outside the employee's area of cover or if they travel against medical advice
      • Cosmetic dental treatment and dental treatment needed because of neglect
      • Dental check-ups, scale and polish (unless you choose the Dental Care option)
      Prestige Plus
      • Any medical conditions the employee had (or had symptoms of) before joining - unless you choose to have their medical history ignored
      • Sport injuries - if the injuries result from playing sport professionally or from an activity that we do not cover
      • Treatment outside the employee's area of cover or if they travel against medical advice
      • Cosmetic dental treatment and dental treatment needed because of neglect
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