Q: Which conditions are excluded from International Insurance Plans?

A: Always read the exclusions section of a plan carefully. Following is a non exhaustive list of exclusions: war or civil war risks, drug abuse, self inflicted injury, HIV/Aids, Infertility, Normal Pregnancy (unless option taken), Cosmetic Surgery, preventive treatment, kidney dialysis, mobility aids, experimental treatment, organ transplants (unless option taken), injuries arising from dangerous hobbies.

Almost all pre-conditions treated in the past two years will initially be excluded.