• Planned treatment(s) which are defined as medical procedure(s) that in the 12 month period prior to an insured person first becoming insured under this policy or at the date that you increased their level of cover: a) an insured person had a date scheduled for such medical procedure(s) to be carried out; or b) an insured person was on a NHS waiting list for the medical procedure; or c) an insured person had been aware of or had been told by their GP or medical specialist that reasonable medical opinion would consider that a medical procedure may be required.
• An insured person’s failure to seek or follow medical advice where such failure is unreasonable in the opinion of a medical specialist appointed by us.
• Suicide, attempted suicide or intentional self- inflicted injuries.
• An insured person’s own criminal act.
• An insured person being under the influence of alcohol or drugs.
• • war or acts of terrorism
  • An insured person engaging in active war
  • nuclear risks
• Any medical procedure directly or indirectly arising from or as a consequence of professional sports where a fee is received for training or playing.
• Any medical procedure which is not listed in the SCHEDULE OF MEDICAL PROCEDURES AND BENEFITS in your Policy Document.
• Any dental condition or dentistry, including gum diseases and wisdom tooth extraction.
• Recurrent cancer.
• Treatment for a specific cancer which exceeds a maximum of one episode of surgery, one course of chemotherapy and one course of radiotherapy. No further treatments will be covered during an insured person’s lifetime either for additional treatment of the original cancer or for a recurrence of that cancer in the same place or another place in the body or for the occurrence of another cancer anywhere else in the body.
• Biopsies or endoscopic biopsies unless performed as a part of a listed surgical procedure such as arthroscopy, craniotomy, laparoscopy, nephroscopy or thoracostomy.
• Drainage of fluids or other substances through a tube or needle unless performed as a part of a listed surgical procedure such as arthroscopy, craniotomy, laparoscopy, nephroscopy or thoracostomy.
• Vasectomy or reversal of vasectomy.
• Female sterilisation, reversal of sterilisation or IVF treatment.
• Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Syndrome (HIV) or AIDS-related complex (ARC), howsoever this syndrome has been acquired or may be named.
• Any sexually transmitted disease.
• Cosmetic surgery other than for reconstruction after trauma or malignancy.
• Obesity surgery and associated cosmetic surgery including abdominoplasty.
• Obstetric surgery other than surgery for ectopic pregnancy, hydatidiform mole, selective feticide and surgery to treat a fetus in utero.
• Childbirth, whether natural or by Caesarean section.
• Gender reassignment or any related treatment whether or not it is for psychological purposes.
• Any medical condition resulting from a heart attack.

• live in the United Kingdom, Channel Islands or Isle of Man for a minimum of 180 days a year
• are aged at least 18.
• are below the age of 75.

• live in the United Kingdom, Channel Islands or Isle of Man for a minimum of 180 days a year
• are aged at least 18.
• Are below the age of 75.

Cancer treatments will normally involve an episode of surgery plus a course of chemotherapy or radiotherapy. The episode of surgery will vary according to the operation but most cancer surgery will be classified as either Band B or Band C.

We classify chemotherapy as a Band C procedure and radiotherapy, which has a shorter recovery time, as Band B.

Medical Recovery Insurance policyholders can make one claim for the treatment of cancer during their lifetime unless the cancer is either a pre-existing condition or cancer in which case it is excluded. A treatment for cancer can include a maximum of one episode of surgery, one course of chemotherapy and one course of radiotherapy providing that the treatment is for the same cancer.

No further treatments will be covered during the policy lifetime either for additional treatment of the original cancer or for a recurrence of that cancer in the same place or another place in the body or for the occurrence of another cancer anywhere else in the body.