A All plans exclude certain conditions. These include chronic illnesses, cosmetic treatment, treatment by a General Practitioner and treatment for self imposed conditions. We, naturally, have to exclude a condition that existed prior to application. Please read the section covering Previous Existing Conditions. If you want treatment available in the most expensive hospitals you will be asked to pay higher premiums.
Many plans exclude the most expensive hospitals altogether.
If you choose, or need to be treated in a hospital outside your band, you will be expected to pay the difference in cost yourself. Where your condition is best treated in a hospital outside your band this can produce a serious dilemma. A Experience has shown that with some plans the answer is that you cannot be sure. Once you have had the treatment and made a claim, there is often little you can do if you discover that for some reason your claim is not eligible. Medicus Family Care Ltd. offer a counselling service to help with this problem.