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What are the exclusions in medical expenses?

This insurance does not cover:

  • pre-existing medical conditions for which the diagnosis had been determined before your departure and had not been consolidated.
  • Preventive or comfort care. Examples: check-up, vaccination, tooth polishing, HIV test, VI test (vaginal infection test)
  • Birth control or abortion related fees
  • Glasses or contact lenses (except in case of  bodily injuries)
  • Orthodontics and Gengivitis
  • Back pain (Lower back pain, sciatic nerve pain, hernia, discs, parietal, intervertebral)
  • Alternative medical techniques (e.g. : ostheopathy, acupuncture,…)
  • Skin care (e.g. : Acne, Psoriasis, Wart, Cosmetic Surgery)
  • Medical consultation without a pathology
  • Non-emergency treatment (that could wait until you return to your home country)
  • Costs of all types of prothesis
  • Allergies
  • STDs (Sexualy Transmited Diseases)

There are other exclusions related to the medical expenses and general exclusions such as your participation as a professional athlete in a sporting event, or the use of illegal drugs. 

For more details, you take a look at our Terms and Conditions.

This answer only relates to : Cap Tempo Expat.
If you have any questions about a different contract : Contact us .

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