Multi-Family Healthcare Plan: Across the generations

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What´s not covered

As with all health insurance policies, there are certain things that are not covered. The following provides a summary. For a full list please see ´What is not covered´ in ´A Guide to Your Policy´.

  • If you have chosen Moratorium Underwriting: Benefit will not be provided for at least two years for any pre-existing condition(s) which you or any family member(s) have had during the five years before your Policy starts, or any new symptoms/conditions that start in the first 14 days of your Policy.
  • If you have chosen Full Medical Underwriting: Benefit will not be provided for pre-existing conditions that you had when you took out the Policy unless declared to and accepted in writing by WPA. Benefit is also not available for any medical conditions/symptoms, whether diagnosed or not, if these arise in the first 14 days of the start of the Policy.
  • If you have chosen Switch with Continued Personal Medical Exclusions (CPME): With CPME terms you can carry your current personal medical exclusions across with you; you will need to answer a few questions about your medical history and we may have to apply some additional personal medical exclusions.
  • If you have chosen Switch with Continued Moratorium: Benefit will not be provided for any pre-existing condition(s) and other directly related condition(s) which existed in the exclusion period (usually five years) of your previous insurer´s policy, unless during the symptom-free period after your previous insurer´s policy started, you don´t receive medication, advice or treatment or experience symptoms of that disease, illness or injury.
  • Pre-existing medical conditions are defined as any disease, illness or injury for which: You have received medication, advice or treatment; or You have experienced symptoms whether the condition has been diagnosed or not before the start of your Policy.
  • Cancer surgery and non-surgical or diagnostic treatment (essentials only).
  • Cancers diagnosed or for which symptoms or signs develop within the first 90 days of the Policy commencing or the first 90 days of upgrading your cancer benefit (by adding the Advanced Cancer Drugs or Cancer Cover Benefits), unless we agree in writing. This is also referred to as a ´90 day deferment period´. You will be required to complete a medical declaration to upgrade your cancer benefit.
  • Any long-term illness that lead to long-term monitoring or management (chronic conditions).
  • Dental problems (unless dental benefit is included in your Policy). Where this is included in your Policy, benefit will not be provided for wisdom teeth unless the treatment is performed in general dental surgery (not hospital).
  • Fertility problems, pregnancy & childbirth.
  • Neonatal treatment.
  • Psychiatric conditions.
  • HIV/AIDS.
  • Cosmetic surgery.
  • Care and/or treatment arising from or related to taking part in winter sports (e.g. skiing, snowboarding), scube diving and motor sports or engaging in professional sport or any accident or injury that occurs whilst on a winter sports holiday and whilst staying in a winter sports resort.
  • Any claim that has not been pre-authorised.
  • Treatment outside the UK except where Emergency Abroad cover applies.
  • If you have added the emergency abroad extra to premier cover or if you have selected elite, the emergency abroad benefit excludes:
    • Travel to the USA and its dependency Puerto Rico.
    • Conditions (and any related conditions) that require current treatment in the UK or for which you have undergone treatment for in the 6 months prior to travel.

Find out more about the benefits that our policy offers you.

Our comprehensive FAQ section provides answers to many common questions.



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0800 298 9 588