Health insurance for foreigners in Germany

Exclusions
INTERNATIONAL SCIENCE HEALTH CARE PLAN

The insurer will not pay for:

1. Pre-existing conditions: any known or unknown medical conditions which are a consequence of any health disturbance that has or would have had required hospitalization and / or medical treatment and / or medications, and / or has been diagnosed within the one year period immediately prior to the first day of this insurance. The above definition of pre-existing conditions applies also in particular to any kind of chronic illnesses as well as existing dental defects and defective vision.

2. Treatment relating to birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions.

3. Prostheses, spectacles, contact lenses, hearing aids, bandages and all aids.

4. All Organ Transplantation.

5. Tests and treatment relating to infertility and in vitro fertilization.

6. Any contraceptives (pill, spiral, etc.) and all consequences thereof as well as abortions.

7. Electric and physical medical treatment: physiotherapy, therapeutic exercises, massages, hydro-therapy and packs, thermo-therapy, electro-therapy and photo-therapy.

8. Treatment of mental illnesses, psychiatric and psychological disorders as well as all elimination examinations and all diseases caused by and/or related to mental diseases.

9. Elective and / or cosmetic treatments (e.g. removal of warts etc.).

10. Tuberculosis, Acquired Immune Deficiency Syndrome (AIDS), AIDS-related Complex Syndrome (ARCS) and all diseases caused by and/or related to HIV.

11. All tropical diseases, including but not limited to malaria, yellow fever, cholera, dysentery, leprosy.

12. Costs resulting from self-inflicted injury, suicide, abuse of alcohol, drug addiction or abuse and treatment of sexually transmitted diseases.

13. Treatment by a family member and any auto therapy including prescription of drugs.

14. Treatment resulting from active participation in war, riot, civil commotion or any criminal act, including resultant imprisonment.

15. Claims and costs for treatment in respect of medical expenses incurred after the expiry date of the Certificate arising from accidental bodily injury, illness or pregnancy occurring during the Certificate period.

16. Any benefit, treatment and expenses not particularly covered and specified in the Plan.

17. Any missed vaccinations in accordance with our vaccinating calendar and missed U3-U10.