What are the important exclusions common to all companies?

In order to avoid misunderstandings concerning the guarantees of a health insurance contract, here is the list of exclusions that we encounter most frequently.

It is very important to understand these well. They are always detailed in the general terms of your contract but, unfortunately, few clients consult them.

  • Treatments requiring prior agreement carried out without such an agreement being obtained (physiotherapy, speech therapy, dental prosthetics, implants, orthodontics, and most series of ).
  • Any ancillary expenses (other than those provided in the list of benefits) in the case of hospitalization, or unreasonable or unusual expenses, taking into account the country in which they were incurred.

  • Consultations with psychologists, psychotherapy treatments.
  • The costs of parapharmacy, cosmetic care, hygiene products, sunscreen and/or moisturizers, make-up products, comfort treatments, vitamins and minerals, dietary supplements, dietetic products, baby foods , mineral waters.
  • Treatment for alcoholism, drug addiction or any other addiction or illness related to such addiction; stays in gerontology, medico-educational institutes and similar establishments.
  • Stays in nursing or convalescence homes not following hospitalization due to an accident or severe illness

  • Growth hormones.
  • Plastic surgery.

  • The use of alcohol and its consequences in accordance with the legislation in force in the country of occurrence.

  • Derived in from the practice of hunting.

  • Accidents or pre-existing illnesses prior to the date of effect of the contract, subject to relapse or unconsolidated, from congenital and unreported diseases or malformations.

  • Participation in all sports competitions and training, the practice of sports within the framework of a club or a federation in a professional capacity, as well as any sport requiring the use of any terrestrial, nautical or aerial locomotion machine.

  • From the practice of dangerous sports such as: driving cars, motorcycles, karting, parachuting, mountaineering, climbing (without artificial support), rock climbing, scuba diving except in snorkeling less than 50 meters, spelunking, skeleton, ski jumping, bobsleigh, bungee jumping, rafting, canyoning, kitesurfing, hot-air ballooning, jet skiing, as well as the following sports hors-piste: skiing, cross-country skiing, sledding, snowboarding.

Allianz Care Expat Assurance