Although you will be covered for the major costs of treatment, there are certain things that Bupa has to exclude. Full details of these can be found in your policy document. Some of the conditions which we cannot pay for are shown below:
Investigations or treatment for the following diseases or conditions are not covered: tumors or cancers, polyps, cysts or benign tumors, hemorrhoids, hernias, pterygium pinguecula and cataract, tonsillectomy or adenoidectomy, stones, varicose veins, hallux valgus, ganglion and endometriosis.
Treatment which is not recommended by a doctor.
Birth control and treatment for infertility.
Hormone replacement therapy.
Treatment for congenital abnormalities.
Mental illness and stress related conditions.
Treatment arising from a self inflicted injury, suicide attempt, alcoholism, drug abuse or sexually transmitted diseases.
Eye examinations, eye laser treatment and cosmetic surgery.
HIV/AIDS and HIV related diseases.
Appliances such as spectacles, lenses, hearing aids or wheelchairs.
Transplant surgery and supportive treatment of renal failure.
Treatment for injury resulting from dangerous sport.
Bupa will cover you for loss of life, loss of sight, hearing and speech and dismemberment arising from injury due to external causes. However you will not be covered for losses arising from the following:
Flying in a non-commercial aircraft or whilst serving as a crew member in any aircraft.
Being under the influence of drugs or alcohol.
Suicide or self inflicted injury.
For losses arising whilst driving or riding as a passenger on a motorcycle only 50% of the benefit will be paid. (Please note that eligible medical expenses will still be paid up to the maximum limits in the event of a motorcycle accident)