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What is not covered?

Significant and unusual exclusions

Along with most other insurance providers there are certain conditions and treatments that cannot be covered by the plans. A sample of these exclusions are listed below and full details of these and all other general exclusions are given in the HealthCover4life Policy Booklet:

• Chronic (long term) conditions (see our leaflet "Chronic Conditions Explained" for further information)
• Routine medical examinations, screening and routine dental treatment
• Transplants
• Drug or alcohol abuse
• Cosmetic treatment (except as the result of an accident)
• HIV and AIDs
• Infertility
• Pre-existing conditions - these are conditions you already have when the policy starts, or have had in the recent past and we deal with these either by full medically underwriting your plan or using the moratorium as detailed below

Rolling two year moratorium (without medical history declared)

This means that if a member on the policy develops a new medical condition after the policy starts, they are covered for eligible treatment.

You won't need to complete a medical declaration before joining, but membership is on the understanding that if you've had a medical condition in the last five years, you will only be covered for it (and specified related conditions) after:

• you have been covered on the policy for two consecutive years as a member and;
• you have been completely free of any form of treatment, medical advice, drugs or medicines or special diets relating to that condition for a consecutive two year period.

Fully underwritten (with medical history declared)

Each member on the policy supplies a medical declaration on the application and, in certain circumstances, a medical report. This means that pre-existing medical conditions are then excluded where necessary.

For further information on the moratorium and full medical underwriting

Please click here to read the leaflet entitled "How you can apply for Cover".

The information above applies to policies incepted or renewed after 1st January 2012. If you have an existing policy with PHC your policy may currently may have different benefits or terms and conditions. Please click here for further information or alternatively please contact Policy Management on 01923 770000 to discuss the terms applying to your policy.