What is not covered?

Important - Please Read - Personal Exclusions

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.

General note for all exclusions
For all exclusions in this section, and for any personal exclusions or restrictions shown on your Membership Certificate, please note that:

  1. we do not pay for conditions which are directly related to excluded conditions or treatments
  2. we do not pay for any additional or increased costs arising from excluded conditions or treatments
  3. we do not pay for complications arising from excluded conditions or treatments.

Examples:
You have a personal exclusion for diabetes.

  1. If your diabetes were to cause glaucoma, we would not pay for treatment for the glaucoma.
  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 these extra days.
  3. If complications arise from excluded treatment such as cosmetic or laser eye surgery, we will not pay to treat these complications.

 

Exceptions:
This section describes some circumstances where exceptions can be made to exclusions or restrictions. Where this is the case, benefit is payable up to the limits set out in your Table of Benefits.

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GLOBALCAPITAL HEALTH INSURANCE AGENCY

GlobalCapital Health Insurance Agency Limited acts as an insurance agent and is regulated by the Malta Financial Services Authority (MFSA). Registered address: GlobalCapital Health Insurance Agency Limited, Testaferrata Street, Ta’ Xbiex XBX 1403, Malta.

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