The insurance covers sudden diseases and accidents.

The following are exclusions from this contract:

• Unstable preexisting conditions and relapse of previously reported diseases
• Eyeglasses, contact lenses, prostheses
• Orthodontics
• Pregnancy already known before the effective date of the cover and voluntary termination of pregnancy (except if medically necessary)
• Spa treatments, examinations and routine checkups, or preventive tests and treatments, contraception
• Back pain, sciatica, herniated disc, parietal, intervertebral ligament, scrotal inguinal and umbilical white line.
• Nervous or mental illnesses that required a less than 3 consecutive day hospitalization
• Rehabilitation, osteopathy, chiropractic and physical therapy (unless prescribed as a consequence of a covered illness or accident)
• Accident due to the participation to an official sport event
• The consumption of drugs, narcotics and similar substances