- please check your Membership Certificate to see if you have any
personal exclusions or restrictions on your plan. The exclusions in this
section apply in addition to and alongside any such personal exclusions
and restrictions.
For all exclusions in this section, and for any personal exclusions
or restrictions shown on your Membership Certificate, please note that:
3.
We do not pay for complications arising from excluded
conditions or
treatments.
Example:
You have a personal exclusion for diabetes.
1. If your diabetes were to cause glaucoma,
we would not pay for
treatment
for the glaucoma. |
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| 2. If while receiving
treatment
for another condition, you need to stay extra days in
hospital
because of your diabetes,
we would not pay for thee extra days. |
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| 3. If complications arise from excluded
treatment
such as cosmetic or laser eye surgery,
we will not pay to treat these complications. |
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Exceptions.
- this section describes some circumstances where exceptions can
be made to exclusions or restrictions. Where this is the case,
benefit is payable only up to the limits set out in your
Table of benefits in Section 2. |
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accident insurance /
Boating insurance (jet skis, sailing and motor boats) /
Business insurance (churches,
clinics, factories, schools, shows, Town Halls, warehouses,
workshops (chemical products, leather, metal, paper or cardboard,
plastic or rubber, textile) /
Car
insurance (including foreign number plates/registrations, top of the
range or Classic cars) /
Caravan insurance /
Civil liability insurance eg trades, hairdressers, academies, bars,
restaurants, tourist guides, monitors, shows) /
Commercial Premises insurance
(amusement arcades
and one-armed bandits, bars, beauty salons, cafes, cake shops,
chemists, clubs, discos, florists, fruit shops, gift shops, gyms,
health shops, hairdressers, international 'phone call shops,
ironmongers, jewellers*, newsagents, opticians, restaurants,
sex-shops, shoe shops, stationery shops, street cafés,
supermarkets, telephone shops*, travel agencies,) /
Financial
planning ideas - and how to save money in Spain ... /
Funeral
insurance /
Golf insurance /
health
and
dental
insurance
plans /
Health
insurance offers eg SMEs, catering, shops /
Home insurance (as an owner or tenant) /
Horse insurance /
Hunting insurance /
Insurance for agricultural vehicles /
Insurance for Building Companies /
Insurance for Electrical Equipment /
Insurance for Haulage Companies /
Insurance for Companies selling or renting equipment /
International health insurance (transfer your Sanitas rights both
ways) /
Life
insurance (protect your family if you die or become disabled) /
Machinery Breakdown Insurance /
Maritime insurance (crews only) /
Mobile insurance -
checklists adapted to your mobile screen... /
Mortgage repayment life insurance (it may be cheaper to replace your
current mortgage repayment life insurance, eg people in Spain
working with/in/on/at:) (
animals /
aviation /
building sector /
Civil protection and police /
countryside, vets /
factories or mines /
home makers or parks /
hospitals, consulting rooms, clinics /
logistics and transport /
office workers /
press or mass media /
sales reps /
ships, wharfs, at sea /
shop workers, SMEs, cars, hotels /
shows and culture /
training, unemployed, retired ) /
Motorbike-motorcycle insurance /
Office insurance /
Responsabilidad
Civil - PYMEs, fundaciones, asociaciones... /
Returning to the UK from abroad? (you may not be covered by the NHS
for 6 months) /
Seguro
contra daños (RC) /
Seguro de amortización, por ejemplo personas que trabajan con/en:
(
animales /
aviación /
barcos, muelles, alta mar /
campo y veterinarios /
casa o cuidando parques /
construcción /
en la calle /
espectáculos y cultura /
fábricas o minas /
formación, desempleados, jubilados /
hospitales, consultas, clínicas /
logística y transporte /
oficinas /
prensa o medios de comunicación /
protección civil y policía /
tiendas, pymes, bares, hoteles ) /
Seguro de automoción
(talleres de automóviles, mecánico, eléctrico, chapa y pintura,
estaciones de servicio, túneles de lavado, garajes, concesionarios
(con o sin talleres de reparación de vehículos) /
Seguro de Comercio
(agencias de viajes, bares, cafeterías, charcuterías, clubes,
discotecas, farmacias, ferreterías, floristerías, fruterías,
gimnasios, joyerías*, locutorios telefónicos, ópticas, papelerías,
pastelerías, peluquerías, quioscos (periódicos, freidurías y bares
en la vía pública), relojerías*, restaurantes, salones de
belleza, salones recreativos, sex-shops, supermercados, tiendas de
calzado, tiendas de productos dietéticos, tiendas de regalos,
tiendas de teléfonos*, tragaperras, traperías y desperdicios )
/ Seguro
de Comunidades /
Seguro de decesos /
Seguro de empresas
(almacenes, ayuntamientos, clínicas, espectáculos, escuelas,
fábricas, iglesias, talleres metalúrgicas / textil / cuero /
plásticos y goma / papel y cartón / productos químicos) /
seguros agrarios /
Seguros para casas
rurales, hoteles, fondas, pensiones, complejos turísticos /
insurance for rural houses, hotels, guest houses, bed and breakfast,
tourist resorts /
seguros para transportistas / transport hauliers / road haulage
insurance /
seguros - vehículos agrícolas /
seguros pecuarios - para su ganado ovino, bovino, caprino y aviar /insurance
for sheep, cows, goats, poultry /
Shop insurance /
Travel insurance - visa compliant eg for US students, tourists or
business trips, includes dangerous areas, professions and sports
/
(..主要健康计划......),
Zahn- und Krankenversicherung in Spanien wenn Sie den
Versicherungsantrag und die allgemeinen Bedingungen auf Deutsch
möchten ...
and
more insurance products!
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