Most insurers will exclude chronic illness and pre-existing condition . Having said that, most will cover cost for treatments required to stabilize the health condition of the insured. Some insurers may accept to cover pre-existing conditions depending on how your policy is underwritten.

The list of exclusions changes from time to time as new technologies surface which in turn affect medical cost. Below is a list of exclusions found in most international health and medical insurances:

• Addictive and mental conditions and disorders (some insurers might cover treatment on discretionary basis)

• Allergies and allergic disorders

• Artificial life maintenance

• Birth control (contraception, assisted reproduction, sterilization, abortion, etc)

• Conflict and disaster (treatment as a result of nuclear or chemical contamination, war, disaster, etc)

• Cosmetic and plastic surgery (unless it is administered immediately after an accident or disease, e.g. breast reconstruction after mastectomy and sometimes lumpectomy which can take place simultaneously during cancer-removing surgery, or months to years later)

• Obesity

• Congenital conditions

How is premium priced ?

Different levels of Coverage