As with most health insurers, CS Healthcare does not cover you for pre-existing medical conditions or chronic conditions which are unlikely to be cured by treatment. Nor does the policy usually cover conditions which are related to pre-existing conditions. A related condition is one which is caused by, or could be the cause of, another condition.

A chronic medical condition is a disease, illness or injury which has one or more of the following characteristics:

• it needs on-going or long-term monitoring through consultations, examinations, check ups, and/or tests
• it needs ongoing or long-term control or relief symptoms
• it requires your rehabilitation or for you to be specially trained to cope with it
• it continues indefinitely
• it has no known cure
• it comes back or is likely to come back

However, we will provide cover for the initial diagnosis of a chronic condition, an acute episode of a chronic condition and for surgical intervention and necessary aftercare. A more detailed explanation of how we approach treatment for chronic conditions and acute episodes can be found in the ‘How we deal with chronic and acute conditions’ section of the Policy Document.

There are some general exclusions which will apply to your policy. You will find full details of these exclusions in the ‘General Policy Exclusions’ section of the Policy Document.

In addition there are some specific treatment exclusions which will apply to particular options. You will find full details of these exclusions in the ‘Specific Treatment Exclusions and Advice’ section of the Policy Document.

The main exclusions are:

• treatment outside the UK
• organ transplants
• routine monitoring of any medical condition
• for Cash Benefits policy holders, health screening benefit will not be paid to any child dependants held on the policy
• surgical correction of short or long-sightedness
• hearing aids and other external prosthesis
• National Health Service accident and emergency treatment (including unplanned NHS Intensive Care)
• treatment for infertility
• treatment for drug abuse, alcoholism or self-inflicted injury
• cosmetic surgery
• HIV, AIDS and psychiatric treatment
• routine pregnancy or childbirth
• professional sports
  

The Association of British Medical Insurers (ABI) has produced a Guide to buying Private Medical Insurance.We recommend you read this document.

A copy of the Policy Document is available in the library page of this website.