The insurance policy does not cover:

• Pre-existing and non-consolidated illnesses
• Routine examinations (examples: check-up, pap smear, vaccination, contraceptives)
• Optical except in case of an accident
• Lumbago, sciatica, lumbosciatica, slipped disc, dorsalgia. Please refer to the general terms and conditions of your policy.
• High risk sport such as aerial sport, motorised sport (all motorised vehicles), mountain climbing, scuba diving at more than 40 meters.
• Nervous disorders