Many people think that a policy covers absolutely everything. But there is a list of exceptions that are important to know about before taking out insurance to avoid unpleasant surprises.
<\/p>\n\n\n\n
1\ufe0f\u20e3 Illnesses, injuries, or health conditions that already existed before the policy was issued are not covered.
What does this mean? If a client has a medical condition, we note this in the health declaration when the policy is issued. After that, the insurance company's risk department makes a decision:
\u2013 or not cover anything related to this disease at all,
\u2013 or partially cover (e.g. consultations), but not procedures or surgeries.<\/p>\n\n\n\n
2\ufe0f\u20e3 Consequences of acts of violence, epidemics, disasters, as well as nuclear or radioactive incidents.<\/p>\n\n\n\n
3\ufe0f\u20e3 Injuries and illnesses related to professional sports or extreme activities.<\/p>\n\n\n\n
4\ufe0f\u20e3Aesthetic surgery and any procedures for cosmetic purposes.<\/p>\n\n\n\n
5\ufe0f\u20e3Reproductive medicine (artificial insemination, insemination, etc.) - not included in the standard package. Covered only in the DKV Mundisalud policy (under certain conditions).<\/p>\n\n\n\n
5\ufe0f\u20e3 Methods that are not officially recognized and have no scientific basis (in particular, RedETS in Spain).<\/p>\n\n\n\n
6\ufe0f\u20e3Medical care for chronic alcoholism, drug addiction,<\/p>\n\n\n\n
as well as in cases of injuries sustained while under the influence of alcohol or drugs.<\/p>\n\n\n\n
7\ufe0f\u20e3 Treatment in clinics that are not part of the DKV network<\/p>\n\n\n\n
\u2014 in the standard package (DKV Integral or Selecci\u00f3n) such treatment is not covered.<\/p>\n\n\n\n
8\ufe0f\u20e3 Medications are not covered by standard policies.<\/p>\n\n\n\n
\u2800
However!
The DKV Mundisalud (Reembolso) policy, in addition to coverage at any clinic, also includes reimbursement of the cost of medications (up to 50% up to \u20ac100 per year), as well as vaccinations up to \u20ac150 per year.<\/p>\n\n\n\n
Importantly:<\/strong> The specific list of exceptions depends on the type of policy. If you are unsure whether your situation will be covered, it is best to clarify this before using the service.<\/p>\n\n\n\n Want to know more? For details about the cost and terms of insurance, please contact me directly \u2014 I will be happy to answer all your questions! \ud83d\udc8c<\/p>","protected":false},"excerpt":{"rendered":" \u0411\u0430\u0433\u0430\u0442\u043e \u0445\u0442\u043e \u0434\u0443\u043c\u0430\u0454, \u0449\u043e \u0437 \u043f\u043e\u043b\u0456\u0441\u043e\u043c \u043f\u043e\u043a\u0440\u0438\u0432\u0430\u0454\u0442\u044c\u0441\u044f \u0430\u0431\u0441\u043e\u043b\u044e\u0442\u043d\u043e \u0432\u0441\u0435. \u0410\u043b\u0435 \u0454 \u043f\u0435\u0440\u0435\u043b\u0456\u043a \u0432\u0438\u043d\u044f\u0442\u043a\u0456\u0432, \u043f\u0440\u043e \u044f\u043a\u0456 \u0432\u0430\u0436\u043b\u0438\u0432\u043e \u0437\u043d\u0430\u0442\u0438 \u043f\u0435\u0440\u0435\u0434 \u043e\u0444\u043e\u0440\u043c\u043b\u0435\u043d\u043d\u044f\u043c \u0441\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f, \u0430\u0431\u0438 \u0443\u043d\u0438\u043a\u043d\u0443\u0442\u0438 \u043d\u0435\u043f\u0440\u0438\u0454\u043c\u043d\u0438\u0445 \u0441\u044e\u0440\u043f\u0440\u0438\u0437\u0456\u0432. \u0429\u043e \u041d\u0415 \u043f\u043e\u043a\u0440\u0438\u0432\u0430\u0454 \u043c\u0435\u0434\u0438\u0447\u043d\u0435 \u0441\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f DKV? 1\ufe0f\u20e3 \u0425\u0432\u043e\u0440\u043e\u0431\u0438, \u0442\u0440\u0430\u0432\u043c\u0438 \u0447\u0438 \u0441\u0442\u0430\u043d\u0438 \u0437\u0434\u043e\u0440\u043e\u0432\u2019\u044f, \u044f\u043a\u0456 \u0432\u0436\u0435 \u0456\u0441\u043d\u0443\u0432\u0430\u043b\u0438 \u0434\u043e \u043c\u043e\u043c\u0435\u043d\u0442\u0443 \u043e\u0444\u043e\u0440\u043c\u043b\u0435\u043d\u043d\u044f \u043f\u043e\u043b\u0456\u0441\u0443 \u2014 \u043d\u0435 \u043f\u043e\u043a\u0440\u0438\u0432\u0430\u044e\u0442\u044c\u0441\u044f.\u0429\u043e \u0446\u0435 \u043e\u0437\u043d\u0430\u0447\u0430\u0454? \u042f\u043a\u0449\u043e \u043a\u043b\u0456\u0454\u043d\u0442 \u043c\u0430\u0454 \u0437\u0430\u0445\u0432\u043e\u0440\u044e\u0432\u0430\u043d\u043d\u044f, \u043f\u0456\u0434 \u0447\u0430\u0441 \u043e\u0444\u043e\u0440\u043c\u043b\u0435\u043d\u043d\u044f […]<\/p>\n","protected":false},"author":2,"featured_media":1395,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1393","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-czikave-pro-strahuvannya-v-ispaniyi"],"acf":[],"_links":{"self":[{"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/posts\/1393","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/comments?post=1393"}],"version-history":[{"count":2,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/posts\/1393\/revisions"}],"predecessor-version":[{"id":1400,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/posts\/1393\/revisions\/1400"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/media\/1395"}],"wp:attachment":[{"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/media?parent=1393"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/categories?post=1393"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/seguro.expert\/en\/wp-json\/wp\/v2\/tags?post=1393"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Always check the terms before signing the contract.<\/p>\n\n\n\n